Generations Bancorp NY (GBNY) 10-Q4 Nov 222022 Q3 Quarterly reportFinancial data

Company Profile

Document and Entity Information

Document and Entity Information - shares	9 Months Ended
Document and Entity Information - shares	Sep. 30, 2022	Nov. 03, 2022
Document and Entity Information [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Transition Report	false
Document Period End Date	Sep. 30, 2022
Entity File Number	001-39883
Entity Registrant Name	Generations Bancorp NY, Inc.
Entity Address, State or Province	MD
Entity Tax Identificatoin Number	85-3659943
Entity Address, Address Line One	20 East Bayard Street
Entity Address, City or Town	Seneca Falls
Entity Incorporation, State or Country Code	NY
Entity Address, Postal Zip Code	13148
City Area Code	315
Local Phone Number	568-5855
Title of 12(b) Security	Common Stock
Trading Symbol	GBNY
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Non-accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	true
Entity Ex Transition Period	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		2,364,979
Entity Central Index Key	0001823365
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2022
Document Fiscal Period Focus	Q3
Amendment Flag	false

Condensed Consolidated Statemen

Condensed Consolidated Statements of Financial Condition - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
ASSETS:
Cash and due from banks	$ 3,426	$ 4,051
Interest earning deposits	3,972	16,946
Total cash and cash equivalents	7,398	20,997
Interest earning time deposits in banks	650	650
Investment securities available-for-sale, at fair value	31,628	36,975
Investment securities held-to-maturity (fair value 2022-$945, 2021-$1,150)	971	1,128
Equity investment securities, at fair value	283	350
Federal Home Loan Bank stock, at cost	1,646	1,450
Loans	293,977	279,961
Less: Allowance for loan losses	(2,326)	(1,841)
Loans receivable, net	291,651	278,120
Premises and equipment, net	14,860	15,345
Bank-owned life insurance	7,438	7,890
Pension plan asset	12,193	11,107
Foreclosed real estate & repossessed assets	69	27
Goodwill	792	792
Intangible assets, net	735	783
Accrued interest receivable	1,216	1,249
Other assets	2,082	2,086
Total assets	373,612	378,949
Deposits:
Noninterest-bearing	57,680	57,540
Interest-bearing	250,628	254,509
Total deposits	308,308	312,049
Short-term borrowings	13,600
Long-term borrowings	10,496	17,760
Advances from borrowers for taxes and insurance	1,600	2,443
Other liabilities	1,955	3,218
Total liabilities	335,959	335,470
Shareholders' equity:
Preferred stock, par value $0.01; 1,000,000 shares authorized; none issued
Common stock, par value $0.01; 14,000,000 shares authorized in 2022 and 2021; 2,369,918 shares issued and outstanding in 2022; and 2,458,261 shares issued and outstanding in 2021	24	26
Additional paid in capital	23,160	24,494
Retained earnings	22,488	21,669
Accumulated other comprehensive loss	(6,265)	(966)
Stock held in rabbi trust	(698)	(654)
Unearned ESOP shares, at cost	(1,056)	(1,090)
Total shareholders' equity	37,653	43,479
Total liabilities and shareholders' equity	$ 373,612	$ 378,949

Condensed Consolidated Statem_2

Condensed Consolidated Statements of Financial Condition (Parentheticals) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Condensed Consolidated Statements of Financial Condition
Investment securities held-to-maturity, fair value	$ 945	$ 1,150
Preferred Stock, Par or Stated Value Per Share	$ 0.01	$ 0.01
Preferred Stock, Shares Authorized	1,000,000	1,000,000
Preferred Stock, Shares Issued	0	0
Common Stock, Par or Stated Value Per Share	$ 0.01	$ 0.01
Common Stock, Shares Authorized	14,000,000	14,000,000
Common Stock, Shares, Issued	2,369,918	2,458,261
Common Stock, Shares, Outstanding	2,369,918	2,458,261

Condensed Consolidated Statem_3

Condensed Consolidated Statements of Income - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Interest and dividend income:
Loans, including fees	$ 3,009	$ 3,247	$ 8,827	$ 9,463
Debt and equity securities:
Taxable	157	156	458	369
Tax-exempt	113	99	336	300
Interest-earning deposits	19	8	73	15
Other	16	21	38	67
Total interest income	3,314	3,531	9,732	10,214
Interest expense:
Deposits	304	300	860	969
Short-term borrowings	24		24
Long-term borrowings	55	96	200	329
Subordinated debt				9
Total interest expense	383	396	1,084	1,307
Net interest income	2,931	3,135	8,648	8,907
Provision for loan losses	181	135	481	405
Net interest income after provision for loan losses	2,750	3,000	8,167	8,502
Noninterest income:
Banking fees and service charges	386	400	1,188	1,172
Mortgage banking income, net	13	16	37	39
Insurance commissions	77	172	375	547
Earnings on bank-owned life insurance	6	27	59	86
Change in fair value on equity securities	(16)	(1)	(67)	2
Net gain on sale of securities		13		11
Other charges, commissions & fees	24	44	81	146
Total noninterest income	490	671	1,673	2,003
Noninterest expense:
Compensation and benefits	1,245	1,341	3,643	3,942
Occupancy and equipment	510	513	1,494	1,564
Impairment of long-lived assets		300		300
Service charges	526	537	1,563	1,547
Regulatory assessments	30	106	156	317
Professional and other services	162	171	544	454
Advertising	107	108	321	325
Other expenses	294	389	870	970
Total noninterest expenses	2,874	3,465	8,591	9,419
Income before income tax expense	366	206	1,249	1,086
Income tax expense	66	33	208	191
Net income	300	173	1,041	895
Net income available to common shareholders	$ 300	$ 173	$ 1,041	$ 895
Basic earnings per common share (in dollar per share)	$ 0.13	$ 0.07	$ 0.45	$ 0.38
Diluted earnings per common share	$ 0.13	$ 0.07	$ 0.45	$ 0.38

Condensed Consolidated Statem_4

Condensed Consolidated Statements of Comprehensive Income (Loss) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Condensed Consolidated Statements of Comprehensive Income (Loss)
Net income	$ 300	$ 173	$ 1,041	$ 895
Unrealized losses on securities available-for-sale:
Unrealized holding losses arising during the period	(1,317)	(349)	(6,707)	(150)
Reclassification adjustment for net gains included in net income		(13)		(11)
Net unrealized losses on securities available-for-sale	(1,317)	(362)	(6,707)	(161)
Defined benefit pension plan:
Reclassification of amortization of net losses recognized in net pension expense		28		85
Net change in defined benefit pension plan asset		28		85
Other comprehensive loss, before tax	(1,317)	(334)	(6,707)	(76)
Tax effect	276	70	1,408	16
Other comprehensive loss, net of tax	(1,041)	(264)	(5,299)	(60)
Total comprehensive (loss) income	$ (741)	$ (91)	$ (4,258)	$ 835

Condensed Consolidated Statem_5

Condensed Consolidated Statements of Changes in Shareholders' Equity - USD ($) $ in Thousands	Common Stock	Additional Paid in Capital	Retained Earnings	Accumulated Other Comprehensive Income (Loss)	Treasury Stock	Stock Held by Rabbi Trust	Unearned ESOP Share	Total
Beginning balance at Dec. 31, 2020	$ 26	$ 11,954	$ 20,256	$ (1,415)	$ (614)	$ (290)	$ (31)	$ 29,886
Increase (decrease) in stockholders' equity
Net income			895					895
Proceeds from issuance of 1,477,575 shares of commons stock (which included 109,450 shares related to the ESOP), net of the offering cost of $1.65 million		13,151					(1,104)	12,047
Treasury Stock retired		(614)			$ 614
Other comprehensive loss				(60)				(60)
Purchase of common stock for Directors Retirement Plan						(337)		(337)
ESOP shares committed to be released		1					34	35
Ending balance at Sep. 30, 2021	26	24,492	21,151	(1,475)		(627)	(1,101)	42,466
Beginning balance at Jun. 30, 2021	26	24,491	20,978	(1,211)		(627)	(1,112)	42,545
Increase (decrease) in stockholders' equity
Net income			173					173
Other comprehensive loss				(264)				(264)
ESOP shares committed to be released		1					11	12
Ending balance at Sep. 30, 2021	26	24,492	21,151	(1,475)		(627)	(1,101)	42,466
Beginning balance at Dec. 31, 2021	26	24,494	21,669	(966)		(654)	(1,090)	43,479
Increase (decrease) in stockholders' equity
Net income			1,041					1,041
Other comprehensive loss				(5,299)				(5,299)
Effect of stock repurchase plan	(2)	(1,414)	(222)					(1,638)
Stock-based compensation		75						75
Purchase of common stock for Directors Retirement Plan						(13)		(13)
Purchase of common stock for SERPs						(31)		(31)
ESOP shares committed to be released		5					34	39
Ending balance at Sep. 30, 2022	24	23,160	22,488	(6,265)		(698)	(1,056)	37,653
Beginning balance at Jun. 30, 2022	25	23,716	22,276	(5,224)		(698)	(1,067)	39,028
Increase (decrease) in stockholders' equity
Net income			300					300
Other comprehensive loss				(1,041)				(1,041)
Effect of stock repurchase plan	(1)	(609)	(88)					(698)
Stock-based compensation		52						52
ESOP shares committed to be released		1					11	12
Ending balance at Sep. 30, 2022	$ 24	$ 23,160	$ 22,488	$ (6,265)		$ (698)	$ (1,056)	$ 37,653

Condensed Consolidated Statem_6

Condensed Consolidated Statements of Changes in Shareholders' Equity (Parentheticals) $ in Thousands	9 Months Ended
	Sep. 30, 2021 USD ($) shares
Number of common stocks sold	1,477,575
Offering cost \| $	$ 1,650
Seneca-Cayuga Bancorp, Inc. (the "Holding Company")
Number of common stocks sold	109,450

Condensed Consolidated Statem_7

Condensed Consolidated Statements of Cash Flows - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
OPERATING ACTIVITIES
Net income	$ 1,041	$ 895
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	481	405
Deferred income tax expense (benefit)	(1,011)	239
Realized gains on sales of:
Available-for-sale investment securities		(11)
Change in fair value on equity securities	67	(2)
Impairment of long-lived asset		300
Depreciation	704	784
Amortization of intangible asset	48	48
Amortization of fair value adjustment to purchased loan portfolio	(52)	(52)
ESOP expense	39	35
Stock-based compensation	75
Amortization of deferred loan costs	79	69
Earnings on bank-owned life insurance	(59)	(86)
Decrease in bank-owned life insurance premium	511
Change in pension plan assets	(1,086)	(976)
Net amortization of premiums and discounts on investment securities	209	226
Net change in accrued interest receivable	33	(126)
Net change in other assets and liabilities	317	(317)
Net cash provided by operating activities	1,396	1,431
INVESTING ACTIVITIES
Purchase of equity investment securities		(1)
Purchase of investment securities available-for-sale	(2,767)	(25,293)
Net proceeds from the (purchase of) redemption of Federal Home Loan Bank stock	(196)	430
Proceeds from maturities and principal reductions of:
Available-for-sale investment securities	1,202	2,961
Held-to-maturity investment securities	153	290
Proceeds from sale of:
Available-for-sale investment securities		3,041
Real estate and repossessed assets acquired	27	56
Premises and equipment		79
Net change in loans	(14,108)	(2,268)
Purchase of premises and equipment	(219)	(375)
Net cash used in investing activities	(15,908)	(21,080)
FINANCING ACTIVITIES
Net change in demand deposits, savings accounts, and money market accounts	(2,531)	4,843
Net change in time deposits	(1,210)	(2,881)
Net change in short-term borrowings	13,600
Payments on long-term borrowings	(7,264)	(7,770)
Repayment from subordinated debt offering		(1,235)
Purchase of common stock for directors retirement plan	(13)
Purchase of common stock of SERP	(31)
Net proceeds from stock offering and conversion		13,151
Effect of stock repurchase plan	(1,638)
Purchase of common stock for ESOP		(1,104)
Net cash provided by financing activities	913	5,004
Net change in cash and cash equivalents	(13,599)	(14,645)
Cash and cash equivalents at beginning of period	20,997	26,830
Cash and cash equivalents at end of period	7,398	12,185
Supplemental Cash Flows Information
Interest	972	1,302
Transfer of loans to foreclosed real estate and repossessed assets	$ 69	$ 67

Nature of Operations

Nature of Operations	9 Months Ended
Nature of Operations	Sep. 30, 2022
Nature of Operations
Nature of Operations	1. Nature of Operations Generations Bancorp NY, Inc. (“Generations Bancorp”) is a Maryland corporation that was organized in August 2020 as part of the Seneca-Cayuga Bancorp, Inc. (“Seneca-Cayuga”) conversion from the mutual holding company structure to a fully public stock holding company structure. Prior to the conversion, Generations Bank was the wholly-owned subsidiary of Seneca-Cayuga and The Seneca Falls Savings Bank, MHC (“MHC”), which owned 60.1% of Seneca-Cayuga’s common stock. On January 13, 2021, Generations Bancorp sold 1,477,575 of its common stock in a stock offering, (which included 109,450 shares issued to the ESOP) representing the ownership interest of the MHC for gross proceeds of $14.8 million and net proceeds of $13.2 million. The exchange ratio of previously held shares by public shareholders (i.e., shareholders other than the MHC) of Seneca-Cayuga was 0.9980 as applied in the conversion offering. References herein to the “Company” include Generations Bancorp subsequent to the completion of the conversion and Seneca-Cayuga prior to the completion of the conversion. Generations Bank (the “Bank”) is a federally chartered savings bank headquartered in Seneca Falls, New York. We were organized in 1870 and have operated continuously since that time in the northern Finger Lakes Region of New York State which is located in the central to northwestern portion of New York State. Generations Commercial Bank (the “Commercial Bank”) is a New York State chartered limited-purpose commercial bank formed expressly to enable local municipalities to deposit public funds with the Bank in accordance with existing NYS municipal law and is a wholly owned subsidiary of the Bank. The Bank maintains its executive offices and main retail location in Seneca Falls, New York, in addition to seven full-service offices and one drive-through facility located Auburn, Farmington, Geneva, Medina, Phelps, Union Springs, and Waterloo, New York. The Bank is a community-oriented savings institution whose business primarily consists of accepting deposits from customers within its market area and investing those funds in loans secured by one- to four-family residential real estate, commercial real estate, business or personal assets, and in investment securities. In addition, Generations Agency, Inc. (the “Agency”) offers personal and commercial insurance products through licensed employees in the same market area. The Agency is the Bank’s wholly-owned subsidiary. Interim Financial Statements The interim condensed consolidated financial statements as of September 30, 2022, and for the three and nine months ended September 30, 2022 and 2021, are unaudited and reflect all normal recurring adjustments that are, in the opinion of management, necessary for a fair presentation of the results for the interim periods presented. Such adjustments are the only adjustments contained in these unaudited consolidated financial statements. These unaudited condensed consolidated financial statements have been prepared according to the rules and regulations of the Securities and Exchange Commission, and therefore certain information and footnote disclosures normally included in the financial statements prepared in accordance with generally accepted accounting principles in the United States of America (“GAAP”) have been omitted. The results of operations for the three and nine months ended September 30, 2022 are not necessarily indicative of the results to be achieved for the remainder of the year ending December 31, 2022, or any other period. Certain prior period data presented in the consolidated financial statements has been reclassified to conform to current year presentation. The accompanying condensed consolidated financial statements should be read in conjunction with the financial statements and notes thereto of the Company for the year ended December 31, 2021 included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2021. Reference is made to the accounting policies of the Company described in the Notes to Financial Statements contained in the Annual Report on Form 10-K for the year ended December 31, 2021.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Loss	9 Months Ended
Accumulated Other Comprehensive Loss	Sep. 30, 2022
Accumulated Other Comprehensive Loss
Accumulated Other Comprehensive Loss	2. Accumulated Other Comprehensive Loss The balances and changes in the components of accumulated other comprehensive loss, net of tax, are as follows: Unrealized Accumulated Gains (Losses) Defined Other Three Months Ended September 30, on Securities Benefit Comprehensive (In thousands) Available-for-Sale Pension Plan Loss Balance, June 30, 2022 $ (4,043) $ (1,181) $ (5,224) Other comprehensive loss before reclassifications (1,041) — (1,041) Net current-period other comprehensive loss (1,041) — (1,041) Balance, September 30, 2022 $ (5,084) $ (1,181) $ (6,265) Balance, June 30, 2021 $ 882 $ (2,093) $ (1,211) Other comprehensive loss before reclassifications (276) — (276) Amounts reclassified from AOCI to the income statement (11) 23 12 Net current-period other comprehensive income (loss) (287) 23 (264) Balance, September 30, 2021 $ 595 $ (2,070) $ (1,475) Unrealized Accumulated (Losses) Gains Defined Other Nine Months Ended September 30, on Securities Benefit Comprehensive (In thousands) Available-for-Sale Pension Plan Loss Balance, December 31, 2021 $ 215 $ (1,181) $ (966) Other comprehensive loss before reclassifications (5,299) — (5,299) Net current-period other comprehensive loss (5,299) — (5,299) Balance, September 30, 2022 $ (5,084) $ (1,181) $ (6,265) Balance, December 31, 2020 $ 723 $ (2,138) $ (1,415) Other comprehensive loss before reclassifications (119) — (119) Amounts reclassified from AOCI to the income statement (9) 68 59 Net current-period other comprehensive income (loss) (128) 68 (60) Balance, September 30, 2021 $ 595 $ (2,070) $ (1,475) The following table presents the amounts reclassified out of each component of accumulated other comprehensive loss: Three months ended September 30, Nine months ended September 30, Affected Line Item in the (In thousands) 2022 2021 2022 2021 Statement of Income Available-for-sale securities: Realized gain on sale of securities $ — $ (13) $ — $ (11) Net gain on sale of securities Tax effect — 2 — 2 Income tax expense $ — $ (11) $ — $ (9) Net income Defined benefit pension plan: Retirement plan net losses recognized in net periodic pension cost $ — $ 28 $ — $ 85 Compensation and benefits Tax effect — (5) — (17) Income tax expense $ — $ 23 $ — $ 68 Net income

Earnings Per Common Share

Earnings Per Common Share	9 Months Ended
Earnings Per Common Share	Sep. 30, 2022
Earnings Per Common Share
Earnings Per Common Share	3. Earnings Per Common Share Basic earnings per common share is calculated by dividing net income by the weighted-average number of common shares outstanding during the period. Diluted earnings per share is calculated in a manner similar to that of basic earnings per share except that the weighted-average number of common shares outstanding is increased to include the number of incremental common shares that would have been outstanding under the treasury stock method if all potentially dilutive common shares (such as stock options) issued became vested during the period. Based on the calculation, there was no impact on earnings per share as the stock options were considered anti-dilutive for the three and nine months ended September 30, 2022. On March 28, 2022, the Board of Directors authorized a stock repurchase program to repurchase approximately 83,300 shares, or approximately 3.4%, of the Company’s outstanding common stock. On May 19, 2022, the 2022 Equity Incentive Plan (the “Plan”) which includes initial grants of restricted stock and stock options to outside directors, was approved by the Company’s stockholders. On June 14, 2022, the Board of Directors of the Company approved restricted stock and stock option grants to senior management. An aggregate of 132,977 stock options and 53,191 shares of restricted stock were granted to directors and senior management during the period ended June 30, 2022. The grants to directors and senior management vest over a five-year period in equal annual installments, with the first installment vesting on the first anniversary date of the grant and succeeding installments on each anniversary thereafter, through 2027. On July 25, 2022, the Board of Directors authorized a second stock repurchase program to acquire up to 87,000 shares, or approximately 3.6%, of the Company’s outstanding common stock at the conclusion of the first stock repurchase program. Unallocated common shares held by the ESOP are not included in the weighted-average number of common shares outstanding for purposes of calculating basic earnings per common share until they are committed to be released. The following tables set forth the calculation of basic and diluted earnings per share. Three Months Ended September 30, (In thousands, except per share data) 2022 2021 Net income available to common stockholders $ 300 $ 173 Weighted-average common shares outstanding 2,299 2,348 Earnings per common share - basic and diluted $ 0.13 $ 0.07 Nine Months Ended September 30, (In thousands, except per share data) 2022 2021 Net income available to common stockholders $ 1,041 $ 895 Weighted-average common shares outstanding 2,327 2,352 Earnings per common share - basic and diluted $ 0.45 $ 0.38

Securities

Securities	9 Months Ended
Securities	Sep. 30, 2022
Securities
Securities	4. Securities Investments in securities available-for-sale, held-to-maturity, and equity are summarized as follows: At September 30, 2022 Gross Gross Amortized Unrealized Unrealized Fair (in thousands) Cost Gains Losses Value Securities available-for-sale: Residential mortgage-backed - US agency and Government Sponsored Enterprise ("GSE") $ 27 $ — $ (1) $ 26 Corporate bonds 21,085 1 (3,441) 17,645 State and political subdivisions 16,951 — (2,994) 13,957 Total securities available-for-sale $ 38,063 $ 1 $ (6,436) $ 31,628 Securities held-to-maturity: Residential mortgage-backed - US agency and GSEs $ 971 $ 1 $ (27) $ 945 Total securities held-to-maturity $ 971 $ 1 $ (27) $ 945 Equity securities: Large cap equity mutual fund $ 35 $ 35 Other mutual funds 248 248 Total of equity securities $ 283 $ 283 At December 31, 2021 Gross Gross Amortized Unrealized Unrealized Fair (in thousands) Cost Gains Losses Value Securities available-for-sale: Residential mortgage-backed - US agency and GSEs $ 33 $ 1 $ (1) $ 33 Corporate bonds 18,589 266 (812) 18,043 State and political subdivisions 18,081 887 (69) 18,899 Total securities available-for-sale $ 36,703 $ 1,154 $ (882) $ 36,975 Securities held-to-maturity: Residential mortgage-backed - US agency and GSEs $ 1,128 $ 25 $ (3) $ 1,150 Total securities held-to-maturity $ 1,128 $ 25 $ (3) $ 1,150 Equity securities: Large cap equity mutual fund $ 45 $ 45 Other mutual funds 305 305 Total of equity securities $ 350 $ 350 Gross unrealized losses on investment securities and the fair value of the related securities, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, is as follows: At September 30, 2022 12 Months or Less More than 12 Months Total Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unrealized (in thousands) Value Losses Value Losses Value Losses Securities available-for-sale: Residential mortgage-backed - US agency and GSEs $ — $ — $ 20 $ (1) $ 20 $ (1) Corporate bonds 13,136 (1,441) 3,422 (2,000) 16,558 (3,441) State and political subdivisions 10,267 (2,114) 3,690 (880) 13,957 (2,994) Total securities available-for-sale $ 23,403 $ (3,555) $ 7,132 $ (2,881) $ 30,535 $ (6,436) Securities held-to-maturity: Residential mortgage-backed - US agency and GSEs $ 652 $ (19) $ 217 $ (8) $ 869 $ (27) Total securities held-to-maturity $ 652 $ (19) $ 217 $ (8) $ 869 $ (27) At December 31, 2021 12 Months or Less More than 12 Months Total Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unrealized (in thousands) Value Losses Value Losses Value Losses Securities available-for-sale: Residential mortgage-backed - US agency and GSEs $ — $ — $ 23 $ (1) $ 23 $ (1) Corporate bonds 9,925 (812) — — 9,925 (812) State and political subdivisions 4,774 (69) — — 4,774 (69) Total securities available-for-sale $ 14,699 $ (881) $ 23 $ (1) $ 14,722 $ (882) Securities held-to-maturity: Residential mortgage-backed - US agency and GSEs $ — $ — $ 156 $ (3) $ 156 $ (3) Total securities held-to-maturity $ — $ — $ 156 $ (3) $ 156 $ (3) The Company conducts a formal review of investment securities on a quarterly basis for the presence of other-than-temporary impairment (“OTTI”). Management assesses whether OTTI is present when the fair value of a debt security is less than its amortized cost basis at the statement of financial condition date. Under these circumstances, OTTI is considered to have occurred (1) if we intend to sell the security; (2) if it is “more likely than not” we will be required to sell the security before recovery of its amortized cost basis; or (3) the present value of expected cash flows is not sufficient to recover the entire amortized cost basis. Credit-related OTTI is recognized in earnings while non-credit-related OTTI on securities not expected to be sold is recognized in other comprehensive income. Non-credit-related OTTI is based on other factors, including illiquidity. Presentation of OTTI is made in the consolidated statement of income on a gross basis, including both the portion recognized in earnings as well as the portion recorded in other comprehensive income. Eighteen government agency and government sponsored enterprise (“GSE”) residential mortgage-backed security holdings have an unrealized loss as of September 30, 2022. The securities were issued by the Federal National Mortgage Association (“FNMA”), Federal Home Loan Mortgage Corporation (“FHLMC”), and the Government National Mortgage Association (“GNMA”). The government-backed securities that have unrealized losses are immaterial, with each of these securities having value deficiencies of $5,600 or less. There are 116 bond issues held by the Bank that have an unrealized loss as of September 30, 2022. The bonds are issued by well-established municipalities and corporate entities with semi-annual interest payments. All interest payments have historically been made timely. The value of the bonds held is closely correlated with long-term interest rates, and as interest rates increase, the bond values decrease. Within this portfolio are seven bonds issued by corporate entities that have an aggregate loss of $2.4 million. These bonds have variable rates and reprice based upon the spread between intermediate Treasury bond yields and long-term Treasury bond yields and will respond positively with the steepening of the Treasury yield curve. We anticipate full recovery of our investment over time and have no plans to sell the securities in the near term. Market values of the securities fluctuate in reaction to the uncertainty of the economy. Principal and interest continue to be received on all securities as anticipated. The Company has the ability and intent to hold the securities through maturity or recovery of its amortized cost basis. With the government guarantees in place, management does not expect losses on these securities. No OTTI is deemed present on these securities. The following is a summary of the amortized cost and estimated fair values of debt securities at September 30, 2022, by remaining term to contractual maturity other than mortgage-backed securities. Actual maturities may differ from these amounts because certain issuers have the right to call or redeem their obligations prior to contractual maturity. The contractual maturities of mortgage-backed securities generally exceed 20 years; however, the effective average life is expected to be substantially shorter due to anticipated repayments and prepayments. At September 30, 2022 Securities Securities Available-for-Sale Held-to-Maturity Amortized Estimated Amortized Estimated (in thousands) Cost Fair Value Cost Fair Value Due in one year or less $ 432 $ 424 $ — $ — Due over one year through five years 3,156 2,940 — — Due over five through ten years 4,355 3,437 — — Due after ten years 30,093 24,801 — — 38,036 31,602 — — Residential mortgage-backed securities 27 26 971 945 Total $ 38,063 $ 31,628 $ 971 $ 945 There were no gross realized gains or losses on sales and redemptions of available-for-sale securities for the three and nine months ended September 30, 2022. There were $13,000 in gross realized gains and no losses on sales and redemptions of available-for-sale securities for the three months ended September 30, 2021. There were $13,000 in gross realized gains and $2,000 in gross realized losses on sales and redemptions of available-for-sale securities for the nine months ended September 30, 2021. Gains and losses on the sales of securities are recognized in income when sold, using the specific identification method, on a trade date basis. Securities with a fair value of $9,804,734 and $8,775,255 were pledged to collateralize certain deposit arrangements at September 30, 2022 and December 31, 2021 respectively.

Loans Receivable

Loans Receivable	9 Months Ended
Loans Receivable	Sep. 30, 2022
Loans Receivable
Loans Receivable	5. Loans Receivable Major classifications of loans are as follows: At September 30, At December 31, (In thousands) 2022 2021 Originated Loans: Residential mortgages: One- to four-family $ 120,195 $ 102,766 Construction 184 — 120,379 102,766 Commercial loans: Real estate - nonresidential 15,542 19,734 Multi-family 446 456 Commercial business 9,709 12,366 25,697 32,556 Consumer: Home equity and junior liens 10,653 8,840 Manufactured homes 49,887 47,717 Automobile 23,843 22,666 Student 1,921 2,096 Recreational vehicle 27,013 29,463 Other consumer 7,419 5,408 120,736 116,190 Total originated loans 266,812 251,512 Net deferred loan costs 16,052 15,650 Less allowance for loan losses (2,326) (1,841) Net originated loans $ 280,538 $ 265,321 At September 30, At December 31, (In thousands) 2022 2021 Acquired Loans: Residential mortgages: One- to four-family $ 9,038 $ 10,295 9,038 10,295 Commercial loans: Real estate - nonresidential 1,621 1,744 Commercial business 111 162 1,732 1,906 Consumer: Home equity and junior liens 581 861 Other consumer 52 84 633 945 Total acquired loans 11,403 13,146 Net deferred loan costs (55) (60) Fair value credit and yield adjustment (235) (287) Net acquired loans $ 11,113 $ 12,799 At September 30, At December 31, (In thousands) 2022 2021 Total Loans: Residential mortgages: One- to four-family $ 129,233 $ 113,061 Construction 184 — 129,417 113,061 Commercial loans: Real estate - nonresidential 17,163 21,478 Multi-family 446 456 Commercial business 9,820 12,528 27,429 34,462 Consumer: Home equity and junior liens 11,234 9,701 Manufactured homes 49,887 47,717 Automobile 23,843 22,666 Student 1,921 2,096 Recreational vehicle 27,013 29,463 Other consumer 7,471 5,492 121,369 117,135 Total Loans 278,215 264,658 Net deferred loan costs 15,997 15,590 Fair value credit and yield adjustment (235) (287) Less allowance for loan losses (2,326) (1,841) Loans receivable, net $ 291,651 $ 278,120 The Company grants residential mortgage, commercial, and consumer loans to customers, principally located in the Finger Lakes Region of New York State and extending north to Orleans County. Although the Company has a diversified loan portfolio, a substantial portion of its debtors’ abilities to honor their contracts is dependent upon the counties’ employment and economic conditions. To further diversify the loan portfolio, the Company also purchases loans that have been originated outside of the region. High quality automobile loans, originated in the Northeastern United States, are purchased regularly from a Connecticut based company. In 2019, the Company also began to purchase modular home loans originated throughout the United States, the seller of which then services the loans for the Company. In 2020, the Company began to purchase automobile and recreational vehicle loans originated in New York State. In 2022, the Company began to purchase one- to four-family, owner occupied residential real estate loans from a third-party originator. These loans are serviced by the Company and primarily located in Cayuga, Ontario, Orleans, and Seneca counties. Loan Origination / Risk Management The Company has lending policies and procedures in place that are designed to maximize loan income within an acceptable level of risk. Management reviews and approves these policies and procedures on a regular basis. A reporting system supplements the review process by frequently providing management with reports related to loan production, loan quality, loan delinquencies, non-performing, and potential problem loans. Diversification in the loan portfolio is a means of managing risk associated with fluctuations in economic conditions. The loan portfolio is segregated into risk rating categories based on the borrower’s overall financial condition, repayment sources, guarantors, and value of collateral, if appropriate. The risk ratings are evaluated at least annually for commercial loans. Risk ratings are also reviewed when credit deficiencies arise, such as delinquent loan payments, for commercial, residential mortgage, or consumer loans. Credit quality risk ratings include regulatory classifications of special mention, substandard, doubtful, and loss. Loans classified as loss are considered uncollectible and are charged to the allowance for loan loss. Loans not classified are rated as pass. The following table presents the classes of the loan portfolio summarized by the pass rating and the classified ratings of special mention, substandard, and doubtful within the Company’s internal risk rating system: At September 30, 2022 Special (In thousands) Pass Mention Substandard Doubtful Total Originated Loans: Residential mortgages: One- to four-family $ 116,608 $ 1,263 $ 2,324 $ — $ 120,195 Construction 184 — — — 184 116,792 1,263 2,324 — 120,379 Commercial loans: Real estate - nonresidential 13,131 1,995 416 — 15,542 Multi-family 446 — — — 446 Commercial business 6,441 3,106 162 — 9,709 20,018 5,101 578 — 25,697 Consumer: Home equity and junior liens 10,464 19 170 — 10,653 Manufactured homes 49,574 168 145 — 49,887 Automobile 23,704 107 32 — 23,843 Student 1,857 2 62 — 1,921 Recreational vehicle 26,844 169 — — 27,013 Other consumer 7,342 77 — — 7,419 119,785 542 409 — 120,736 Total originated loans $ 256,595 $ 6,906 $ 3,311 $ — $ 266,812 At September 30, 2022 Special (In thousands) Pass Mention Substandard Doubtful Total Acquired Loans: Residential mortgages: One- to four-family $ 8,715 $ 82 $ 241 $ — $ 9,038 8,715 82 241 — 9,038 Commercial loans: Real estate - nonresidential 1,621 — — — 1,621 Commercial business 111 — — — 111 1,732 — — — 1,732 Consumer: Home equity and junior liens 546 — 35 — 581 Other consumer 52 — — — 52 598 — 35 — 633 Total acquired loans $ 11,045 $ 82 $ 276 $ — $ 11,403 At September 30, 2022 Special (In thousands) Pass Mention Substandard Doubtful Total Total Loans: Residential mortgages: One- to four-family $ 125,323 $ 1,345 $ 2,565 $ — $ 129,233 Construction 184 — — — 184 125,507 1,345 2,565 — 129,417 Commercial loans: Real estate - nonresidential 14,752 1,995 416 — 17,163 Multi-family 446 — — — 446 Commercial business 6,552 3,106 162 — 9,820 21,750 5,101 578 — 27,429 Consumer: Home equity and junior liens 11,010 19 205 — 11,234 Manufactured homes 49,574 168 145 — 49,887 Automobile 23,704 107 32 — 23,843 Student 1,857 2 62 — 1,921 Recreational vehicle 26,844 169 — — 27,013 Other consumer 7,394 77 — — 7,471 120,383 542 444 — 121,369 Total loans $ 267,640 $ 6,988 $ 3,587 $ — $ 278,215 At December 31, 2021 Special (In thousands) Pass Mention Substandard Doubtful Total Originated Loans: Residential mortgages: One- to four-family $ 99,294 $ 1,110 $ 2,362 $ — $ 102,766 99,294 1,110 2,362 — 102,766 Commercial loans: Real estate - nonresidential 14,464 3,045 2,225 — 19,734 Multi-family 456 — — — 456 Commercial business 10,256 1,112 998 — 12,366 25,176 4,157 3,223 — 32,556 Consumer: Home equity and junior liens 8,753 41 46 — 8,840 Manufactured homes 47,717 — — — 47,717 Automobile 22,558 64 44 — 22,666 Student 2,096 — — — 2,096 Recreational vehicle 29,424 39 — — 29,463 Other consumer 5,376 32 — — 5,408 115,924 176 90 — 116,190 Total originated loans $ 240,394 $ 5,443 $ 5,675 $ — $ 251,512 At December 31, 2021 Special (In thousands) Pass Mention Substandard Doubtful Total Acquired Loans: Residential mortgages: One- to four-family $ 10,038 $ 42 $ 215 $ — $ 10,295 10,038 42 215 — 10,295 Commercial loans: Real estate - nonresidential 1,744 — — — 1,744 Commercial business 162 — — — 162 1,906 — — — 1,906 Consumer: Home equity and junior liens 841 — 20 — 861 Other consumer 84 — — — 84 925 — 20 — 945 Total acquired loans $ 12,869 $ 42 $ 235 $ — $ 13,146 At December 31, 2021 Special (In thousands) Pass Mention Substandard Doubtful Total Total Loans: Residential mortgages: One- to four-family $ 109,332 $ 1,152 $ 2,577 $ — $ 113,061 109,332 1,152 2,577 — 113,061 Commercial loans: Real estate - nonresidential 16,208 3,045 2,225 — 21,478 Multi-family 456 — — — 456 Commercial business 10,418 1,112 998 — 12,528 27,082 4,157 3,223 — 34,462 Consumer: Home equity and junior liens 9,594 41 66 — 9,701 Manufactured homes 47,717 — — — 47,717 Automobile 22,558 64 44 — 22,666 Student 2,096 — — — 2,096 Recreational vehicle 29,424 39 — — 29,463 Other consumer 5,460 32 — — 5,492 116,849 176 110 — 117,135 Total loans $ 253,263 $ 5,485 $ 5,910 $ — $ 264,658 Management has reviewed its loan portfolio and determined that, to the best of its knowledge, little or no exposure exists to sub-prime or other high-risk residential mortgages. The Company is not in the practice of originating these types of loans. Non-accrual and Past Due Loans Loans are considered past due if the required principal and interest payments have not been received within thirty days of the payment due date. For all classes of loans receivable, the accrual of interest is discontinued when the contractual payment of principal or interest has become 90 days past due or management has serious doubts about further collectability of principal or interest, even though the loan may be currently performing. A loan may remain on accrual status if it is in the process of collection and is either guaranteed or well secured. When a loan is placed on non-accrual status, unpaid interest is reversed and charged to interest income. Interest received on non-accrual loans, including impaired loans, generally is either applied against principal or reported as interest income, according to management’s judgment as to the collectability of principal. Generally, loans are restored to accrual status when the obligation is brought current, has performed in accordance with the contractual terms for a reasonable period of time, and the ultimate collectability of the total contractual principal and interest is no longer in doubt. Non-accrual troubled debt restructurings are restored to accrual status if principal and interest payments, under the modified terms, are current for six When future collectability of the recorded loan balance is expected, interest income may be recognized on a cash basis. In the case where a non-accrual loan had been partially charged off, recognition of interest on a cash basis is limited to that which would have been recognized on the recorded loan balance at the contractual interest rate. Cash interest receipts in excess of that amount are recorded as recoveries to allowance for loan losses until prior charge-offs have been fully recovered. An age analysis of past due loans, segregated by class of loans, as are as follows: At September 30, 2022 90 Days 30-59 Days 60-89 Days or More Total Total Loans Total Loans (In thousands) Past Due Past Due Past Due Past Due Current Receivable Originated Loans: Residential mortgage loans: One- to four-family $ 3,238 $ 692 $ 2,324 $ 6,254 $ 113,941 $ 120,195 Construction — — — — 184 184 3,238 692 2,324 6,254 114,125 120,379 Commercial loans: Real estate - nonresidential — — 416 416 15,126 15,542 Multi-family — — — — 446 446 Commercial business 143 — 163 306 9,403 9,709 143 — 579 722 24,975 25,697 Consumer loans: Home equity and junior liens 85 35 170 290 10,363 10,653 Manufactured homes 783 168 145 1,096 48,791 49,887 Automobile 267 107 32 406 23,437 23,843 Student 7 2 62 71 1,850 1,921 Recreational vehicle 916 169 — 1,085 25,928 27,013 Other consumer 103 77 — 180 7,239 7,419 2,161 558 409 3,128 117,608 120,736 Total originated loans $ 5,542 $ 1,250 $ 3,312 $ 10,104 $ 256,708 $ 266,812 At September 30, 2022 90 Days 30-59 Days 60-89 Days or More Total Total Loans Total Loans (In thousands) Past Due Past Due Past Due Past Due Current Receivable Acquired Loans: Residential mortgage loans: One- to four-family $ 177 $ 46 $ 241 $ 464 $ 8,574 $ 9,038 177 46 241 464 8,574 9,038 Commercial loans: Real estate - nonresidential — — — — 1,621 1,621 Commercial business — — — — 111 111 — — — — 1,732 1,732 Consumer loans: Home equity and junior liens 15 — 35 50 531 581 Other consumer — — — — 52 52 15 — 35 50 583 633 Total acquired loans $ 192 $ 46 $ 276 $ 514 $ 10,889 $ 11,403 At September 30, 2022 90 Days 30-59 Days 60-89 Days or More Total Total Loans Total Loans (In thousands) Past Due Past Due Past Due Past Due Current Receivable Total Loans: Residential mortgage loans: One- to four-family $ 3,415 $ 738 $ 2,565 $ 6,718 $ 122,515 $ 129,233 Construction — — — — 184 184 3,415 738 2,565 6,718 122,699 129,417 Commercial loans: Real estate - nonresidential — — 416 416 16,747 17,163 Multi-family — — — — 446 446 Commercial business 143 — 163 306 9,514 9,820 143 — 579 722 26,707 27,429 Consumer loans: Home equity and junior liens 100 35 205 340 10,894 11,234 Manufactured homes 783 168 145 1,096 48,791 49,887 Automobile 267 107 32 406 23,437 23,843 Student 7 2 62 71 1,850 1,921 Recreational vehicle 916 169 — 1,085 25,928 27,013 Other consumer 103 77 — 180 7,291 7,471 2,176 558 444 3,178 118,191 121,369 Total loans $ 5,734 $ 1,296 $ 3,588 $ 10,618 $ 267,597 $ 278,215 At December 31, 2021 90 Days 30-59 Days 60-89 Days or More Total Total Loans Total Loans (In thousands) Past Due Past Due Past Due Past Due Current Receivable Originated Loans: Residential mortgage loans: One- to four-family $ 3,137 $ 757 $ 2,362 $ 6,256 $ 96,510 $ 102,766 3,137 757 2,362 6,256 96,510 102,766 Commercial loans: Real estate - nonresidential 389 — 416 805 18,929 19,734 Multi-family — — — — 456 456 Commercial business — 8 161 169 12,197 12,366 389 8 577 974 31,582 32,556 Consumer loans: Home equity and junior liens 149 31 46 226 8,614 8,840 Manufactured homes 922 615 — 1,537 46,180 47,717 Automobile 168 64 44 276 22,390 22,666 Student 95 — — 95 2,001 2,096 Recreational vehicle 605 39 — 644 28,819 29,463 Other consumer 75 32 — 107 5,301 5,408 2,014 781 90 2,885 113,305 116,190 Total originated loans $ 5,540 $ 1,546 $ 3,029 $ 10,115 $ 241,397 $ 251,512 At December 31, 2021 90 Days 30-59 Days 60-89 Days or More Total Total Loans Total Loans (In thousands) Past Due Past Due Past Due Past Due Current Receivable Acquired Loans: Residential mortgage loans: One- to four-family $ 318 $ 68 $ 215 $ 601 $ 9,694 $ 10,295 318 68 215 601 9,694 10,295 Commercial loans: Real estate - nonresidential — — — — 1,744 1,744 Commercial business 27 — — 27 135 162 27 — — 27 1,879 1,906 Consumer loans: Home equity and junior liens — — 20 20 841 861 Other consumer — — — — 84 84 — — 20 20 925 945 Total acquired loans $ 345 $ 68 $ 235 $ 648 $ 12,498 $ 13,146 At December 31, 2021 90 Days 30-59 Days 60-89 Days or More Total Total Loans Total Loans (In thousands) Past Due Past Due Past Due Past Due Current Receivable Total Loans: Residential mortgage loans: One- to four-family $ 3,455 $ 825 $ 2,577 $ 6,857 $ 106,204 $ 113,061 3,455 825 2,577 6,857 106,204 113,061 Commercial loans: Real estate - nonresidential 389 — 416 805 20,673 21,478 Multi-family — — — — 456 456 Commercial business 27 8 161 196 12,332 12,528 416 8 577 1,001 33,461 34,462 Consumer loans: Home equity and junior liens 149 31 66 246 9,455 9,701 Manufactured homes 922 615 — 1,537 46,180 47,717 Automobile 168 64 44 276 22,390 22,666 Student 95 — — 95 2,001 2,096 Recreational vehicle 605 39 — 644 28,819 29,463 Other consumer 75 32 — 107 5,385 5,492 2,014 781 110 2,905 114,230 117,135 Total loans $ 5,885 $ 1,614 $ 3,264 $ 10,763 $ 253,895 $ 264,658 Non-accrual loans, segregated by class of loan, were as follows: At September 30, At December 31, (In thousands) 2022 2021 Residential mortgage loans: One- to four-family $ 2,565 $ 2,577 2,565 2,577 Commercial loans: Real estate - nonresidential 416 416 Commercial business 163 161 579 577 Consumer loans: Home equity and junior liens 205 66 Manufactured homes 145 — Automobile 32 44 Student 62 — 444 110 Total non-accrual loans $ 3,588 $ 3,264 There were no loans past due more than ninety days and still accruing interest at September 30, 2022 and December 31, 2021. Troubled Debt Restructuring The Company is required to disclose certain activities related to Troubled Debt Restructuring (“TDR”) in accordance with accounting guidance. Certain loans have been modified in a TDR where economic concessions have been granted to a borrower who is experiencing, or is expected to experience, financial difficulties. These economic concessions could include a reduction in the loan interest rate, extension of payment terms, reduction of principal amortization, or other actions that the Company would not otherwise consider for a new loan with similar risk characteristics. The recorded investment for each TDR loan is determined by the outstanding balance less the allowance associated with the loan. There were no loans that had been modified as a TDR during the three and nine months ended September 30, 2022 and for the three months ended September 30, 2021. There were seven loans that had been modified as a TDR during the nine months ended September 30, 2021. During the nine months ended September 30, 2022 and 2021, there were no defaults on TDRs that were modified within the twelve months prior to the default date. A default for these purposes is defined as a loan that reaches 90 days past due. The table below details loans that have been modified as a troubled debt restructuring for the nine months ended September 30, 2021. Nine Months Ended September 30, 2021 Post- Pre-Modification Modification Current Outstanding Outstanding Outstanding Number of Recorded Recorded Recorded Contracts Investment Investment Investment One- to four-family residential mortgages 4 $ 336 $ 336 $ — Commercial business 3 46 46 — The TDR loans that were modified during the nine months ended September 30, 2021 were paid off during the three months ended June 30, 2022. At September 30 2022, there were seven TDR loans, with an outstanding balance of $2.5 million, in the portfolio that had been modified by making concessions to maturity dates and, in some cases, lowering the interest rate from the original contract. Each modification was done to alleviate the borrowers’ financial difficulties and keep the collateral from repossession when the borrower met the eligibility criteria. There was one TDR totaling $8,000 in non-accrual status due to delinquency greater than 90 days. All other TDR loans continue to accrue interest. At December 31, 2021, the Company had 15 TDR loans with an outstanding balance of $3.0 million in the portfolio. Impaired Loans A loan is considered impaired when based on current information and events it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower including the length of the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan-by-loan basis for commercial loans by either the present value of expected future cash flows discounted at the loan’s effective interest rate or the fair value of the collateral if the loan is collateral dependent. The following table summarizes impaired loans information by portfolio class: At September 30, 2022 Unpaid Recorded Principal Related (In thousands) Investment Balance Allowance With no related allowance recorded: One- to four-family residential mortgages $ 2,565 $ 2,525 $ — Commercial real estate - nonresidential 416 516 — Commercial business 162 126 — Home equity and junior liens 205 205 — Total: One- to four-family residential mortgages 2,565 2,525 — Commercial real estate - nonresidential 416 516 — Commercial business 162 126 — Home equity and junior liens 205 205 — $ 3,348 $ 3,372 $ — At December 31, 2021 Unpaid Recorded Principal Related (In thousands) Investment Balance Allowance With no related allowance recorded: One- to four-family residential mortgages $ 2,352 $ 2,423 $ — Commercial real estate - nonresidential 416 516 — Commercial business 73 73 — Home equity and junior liens 67 67 — With an allowance recorded: One- to four-family residential mortgages 224 224 7 Commercial business 55 55 12 Total: One- to four-family residential mortgages 2,576 2,647 7 Commercial real estate - nonresidential 416 516 — Commercial business 128 128 12 Home equity and junior liens 67 67 — $ 3,187 $ 3,358 $ 19 The following table presents the average recorded investment in impaired loans: Three Months Ended September 30, Nine Months Ended September 30, (In thousands) 2022 2021 2022 2021 One- to four-family residential mortgages $ 2,567 $ 2,397 $ 2,579 $ 2,412 Commercial real estate - nonresidential 416 954 416 954 Commercial business 163 469 169 471 Home equity and junior liens 212 81 214 81 $ 3,358 $ 3,901 $ 3,378 $ 3,918 The following table presents interest income recognized on impaired loans: Three Months Ended September 30, Nine Months Ended September 30, (In thousands) 2022 2021 2022 2021 One- to four-family residential mortgages $ 8 $ 13 $ 46 $ 56 Commercial real estate - nonresidential — — — 1 Commercial business — — 1 1 Home equity and junior liens — — 3 2 $ 8 $ 13 $ 50 $ 60 Income recognized on a cash basis was not materially different than interest income recognized on an accrual basis for the periods.

Allowance for Loan Loss

Allowance for Loan Loss	9 Months Ended
Allowance for Loan Loss	Sep. 30, 2022
Allowance for Loan Loss
Allowance for Loan Loss	6. Allowance for Loan Loss Changes in the allowance for loan losses and information pertaining to the allocation of the allowance for loan losses and balances of the allowance for loan losses and loans receivable based on individual and collective impairment evaluation by loan portfolio class are summarized as follows: Three Months Ended September 30, 2022 One- to four- Construction Commercial Commercial family residential real estate real estate Construction Commercial (In thousands) residential mortgage nonresidential multi-family commercial business Allowance for loan losses: Beginning Balance $ 690 $ — $ 516 $ 2 $ — $ 240 Charge-offs (1) — — — — (2) Recoveries 2 — — — — 1 Provision (credit) for loan losses 37 1 (48) — — (9) Ending balance $ 728 $ 1 $ 468 $ 2 $ — $ 230 Three Months Ended September 30, 2022 (cont'd) Home equity Manufactured Recreational Other (In thousands) and junior liens homes Automobile Student vehicle consumer Unallocated Total Allowance for loan losses: Beginning Balance $ 49 $ 104 $ 126 $ 62 $ 347 $ 52 $ — $ 2,188 Charge-offs (10) — (18) (29) — (1) — (61) Recoveries — — 12 1 — 2 — 18 Provision for loan losses 19 1 7 25 13 135 — 181 Ending balance $ 58 $ 105 $ 127 $ 59 $ 360 $ 188 $ — $ 2,326 Three Months Ended September 30, 2021 One- to four- Construction Commercial Commercial family residential real estate real estate Construction Commercial (In thousands) residential mortgage nonresidential multi-family commercial business Allowance for loan losses: Beginning Balance $ 611 $ — $ 376 $ 2 $ — $ 563 Charge-offs (40) — (2) — — — Recoveries 1 — — — — — Provision (credit) for loan losses 180 — 51 1 — (94) Ending balance $ 752 $ — $ 425 $ 3 $ — $ 469 Three Months Ended September 30, 2021 (cont'd) Home equity Manufactured Recreational Other (In thousands) and junior liens homes Automobile Student vehicle consumer Unallocated Total Allowance for loan losses: Beginning Balance $ 46 $ 82 $ 143 $ 69 $ — $ 84 $ — $ 1,976 Charge-offs — — (1) — — (9) — (52) Recoveries — — 9 1 — 1 — 12 Provision (credit) for loan losses (17) 11 (6) (2) — 11 — 135 Ending balance $ 29 $ 93 $ 145 $ 68 $ — $ 87 $ — $ 2,071 Nine Months Ended September 30, 2022 One- to four- Construction family residential Real estate Construction Commercial (In thousands) residential mortgage nonresidential Multi-family commercial business Allowance for loan losses: Beginning balance $ 688 $ — $ 630 $ 2 $ — $ 161 Charge-offs (37) — — — — (14) Recoveries 18 — — — — 1 Provision (credit) for loan losses 59 1 (162) — — 82 Ending balance $ 728 $ 1 $ 468 $ 2 $ — $ 230 Ending balance: related to loans individually evaluated for impairment $ — $ — $ — $ — $ — $ — Ending balance: related to loans collectively evaluated for impairment $ 728 $ 1 $ 468 $ 2 $ — $ 230 Loans receivable: Ending balance $ 129,233 $ 184 $ 17,163 $ 446 $ — $ 9,820 Ending balance: individually evaluated for impairment $ 2,565 $ — $ 416 $ — $ — $ 162 Ending balance: collectively evaluated for impairment $ 126,668 $ 184 $ 16,747 $ 446 $ — $ 9,658 Nine Months Ended September 30, 2022 (cont'd) Home equity Manufactured Recreational Other (In thousands) and junior liens homes Automobile Student vehicle consumer Unallocated Total Allowance for loan losses: Beginning balance $ 39 $ 102 $ 107 $ 64 $ — $ 48 $ — $ 1,841 Charge-offs (10) — (58) (29) — (1) — (149) Recoveries — — 128 2 — 4 — 153 Provision (credit) for loan losses 29 3 (50) 22 360 137 — 481 Ending balance $ 58 $ 105 $ 127 $ 59 $ 360 $ 188 $ — $ 2,326 Ending balance: related to loans individually evaluated for impairment $ — $ — $ — $ — $ — $ — $ — $ — Ending balance: related to loans collectively evaluated for impairment $ 58 $ 105 $ 127 $ 59 $ 360 $ 188 $ — $ 2,326 Loans receivable: Ending balance $ 11,234 $ 49,887 $ 23,843 $ 1,921 $ 27,013 $ 7,471 $ — $ 278,215 Ending balance: individually evaluated for impairment $ 205 $ — $ — $ — $ — $ — $ — $ 3,348 Ending balance: collectively evaluated for impairment $ 11,029 $ 49,887 $ 23,843 $ 1,921 $ 27,013 $ 7,471 $ — $ 274,867 Nine Months Ended September 30, 2021 One- to four- Construction family residential Real estate Construction Commercial (In thousands) residential mortgage nonresidential Multi-family commercial business Allowance for loan losses: Beginning balance $ 457 $ — $ 319 $ 26 $ — $ 617 Charge-offs (117) — (53) — — (17) Recoveries 3 — 16 12 — 7 Provision (credit) for loan losses 409 — 143 (35) — (138) Ending balance $ 752 $ — $ 425 $ 3 $ — $ 469 Ending balance: related to loans individually evaluated for impairment $ 14 $ — $ — $ — $ — $ 183 Ending balance: related to loans collectively evaluated for impairment $ 738 $ — $ 425 $ 3 $ — $ 286 Loans receivable: Ending balance $ 116,182 $ 193 $ 22,226 $ 403 $ — $ 15,158 Ending balance: individually evaluated for impairment $ 2,325 $ — $ 604 $ — $ — $ 469 Ending balance: collectively evaluated for impairment $ 113,857 $ 193 $ 21,622 $ 403 $ — $ 14,689 Nine Months Ended September 30, 2021 (cont'd) Home equity Manufactured Recreational Other (In thousands) and junior liens homes Automobile Student vehicle consumer Unallocated Total Allowance for loan losses: Beginning balance $ 46 $ 76 $ 127 $ 69 $ — $ 84 $ — $ 1,821 Charge-offs (2) — (7) — — (45) — (241) Recoveries — — 34 2 7 5 — 86 Provision (credit) for loan losses (15) 17 (9) (3) (7) 43 — 405 Ending balance $ 29 $ 93 $ 145 $ 68 $ — $ 87 $ — $ 2,071 Ending balance: related to loans individually evaluated for impairment $ — $ — $ — $ — $ — $ — $ — $ 197 Ending balance: related to loans collectively evaluated for impairment $ 29 $ 93 $ 145 $ 68 $ — $ 87 $ — $ 1,874 Loans receivable: Ending balance $ 10,092 $ 48,234 $ 22,940 $ 2,216 $ 30,185 $ 5,829 $ — $ 273,658 Ending balance: individually evaluated for impairment $ 80 $ — $ — $ — $ — $ — $ — $ 3,478 Ending balance: collectively evaluated for impairment $ 10,012 $ 48,234 $ 22,940 $ 2,216 $ 30,185 $ 5,829 $ — $ 270,180 Year Ended December 31, 2021 One- to four- Construction family residential Real estate Construction Commercial (In thousands) residential mortgage nonresidential Multi-family commercial business Allowance for loan losses: Beginning balance $ 457 $ — $ 319 $ 26 $ — $ 617 Charge-offs (117) — (386) — — (84) Recoveries 28 — 16 12 — 7 Provision (credit) for loan losses 320 — 681 (36) — (379) Ending balance $ 688 $ — $ 630 $ 2 $ — $ 161 Ending balance: related to loans individually evaluated for impairment $ 7 $ — $ — $ — $ — $ 12 Ending balance: related to loans collectively evaluated for impairment $ 681 $ — $ 630 $ 2 $ — $ 149 Loans receivable: Ending balance $ 113,061 $ — $ 21,478 $ 456 $ — $ 12,528 Ending balance: individually evaluated for impairment $ 2,576 $ — $ 416 $ — $ — $ 128 Ending balance: collectively evaluated for impairment $ 110,485 $ — $ 21,062 $ 456 $ — $ 12,400 Year Ended December 31, 2021 (cont'd) Home equity Manufactured Recreational Other (In thousands) and junior liens homes Automobile Student vehicle consumer Unallocated Total Allowance for loan losses: Beginning balance $ 46 $ 76 $ 127 $ 69 $ — $ 84 $ — $ 1,821 Charge-offs (2) — (12) — (1) (45) — (647) Recoveries — — 48 3 8 5 — 127 Provision (credit) for loan losses (5) 26 (56) (8) (7) 4 — 540 Ending balance $ 39 $ 102 $ 107 $ 64 $ — $ 48 $ — $ 1,841 Ending balance: related to loans individually evaluated for impairment $ — $ — $ — $ — $ — $ — $ — $ 19 Ending balance: related to loans collectively evaluated for impairment $ 39 $ 102 $ 107 $ 64 $ — $ 48 $ — $ 1,822 Loans receivable: Ending balance $ 9,701 $ 47,717 $ 22,666 $ 2,096 $ 29,463 $ 5,492 $ — $ 264,658 Ending balance: individually evaluated for impairment $ 67 $ — $ — $ — $ — $ — $ — $ 3,187 Ending balance: collectively evaluated for impairment $ 9,634 $ 47,717 $ 22,666 $ 2,096 $ 29,463 $ 5,492 $ — $ 261,471 The allowance for loan losses represents management's estimate of losses inherent in the loan portfolio as of the consolidated statement of financial condition date and is recorded as a reduction of loans. The allowance for loan losses is increased by the provision for loan losses, and decreased by charge-offs, net of recoveries. Loans deemed to be uncollectible are charged against the allowance for loan losses, and subsequent recoveries, if any, are credited to the allowance. All, or part, of the principal balance of loans receivable is charged off to the allowance as soon as it is determined that the repayment of all, or part, of the principal balance is highly unlikely. Consumer loans not secured by residential real estate are generally charged off no later than 90 days past due on a contractual basis, earlier in the event of bankruptcy, or if there is an amount deemed uncollectible. Because all identified losses are immediately charged off, no portion of the allowance for loan losses is restricted to any individual loan or groups of loans, and the entire allowance is available to absorb any and all loan losses. The allowance consists of specific, general, and unallocated components. The specific component relates to loans that are classified as impaired. For loans that are classified as impaired, an allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying amount of that loan. The general component covers pools of loans by loan class including commercial loans not considered impaired, automobile loans identified in pools by product and underwriting standards, as well as smaller balance homogeneous consumer loans. These pools of loans are evaluated for loss exposure based upon historical loss rates for each of these categories of loans, adjusted for qualitative risk factors. These qualitative risk factors include: ● Asset quality trends ● The trend in loan growth and portfolio mix ● Regional and local economic conditions ● Historical loan loss experience ● Underlying credit quality Each factor is assigned a value to reflect improving, stable, or declining conditions based on management's best judgment using relevant information available at the time of the evaluation. The risk characteristics within the loan portfolio vary depending on the loan segment. Consumer loans generally are repaid from personal sources of income. Risks associated with consumer loans primarily include general economic risks such as declines in the local economy creating higher rates of unemployment. Those conditions may also lead to a decline in collateral values should the Company be required to repossess the collateral securing consumer loans. These economic risks also impact the commercial loan segment, however, commercial loans are considered to have greater risk than consumer loans as the primary source of repayment is from the cash flow of the business customer. Loans secured by real estate provide the best collateral protection and thus significantly reduce the inherent risk in the portfolio.

Employee Benefit Plans

Employee Benefit Plans	9 Months Ended
Employee Benefit Plans	Sep. 30, 2022
Employee Benefit Plans
Employee Benefit Plans	7. Employee Benefit Plans The Company provides pension benefits for eligible employees through two defined benefit pension plans (the “Plans”). The following tables set forth the changes in the Plans’ net periodic pension benefit: Generations Bank Plan: Three Months Ended September 30, Nine Months Ended September 30, (In thousands) 2022 2021 2022 2021 Net periodic expenses recognized in income: Service cost $ 108 $ 115 $ 324 $ 344 Interest cost 102 105 307 315 Expected return on plan assets (383) (370) (1,151) (1,110) Amortization of net losses — 28 — 85 Net periodic pension benefit $ (173) $ (122) $ (520) $ (366) Medina Savings and Loan Plan: Three Months Ended September 30, Nine Months Ended September 30, (In thousands) 2022 2021 2022 2021 Net periodic expenses recognized in income: Service cost $ 9 $ 8 $ 25 $ 23 Interest cost 28 33 83 98 Expected return on plan assets (116) (116) (346) (348) Net periodic pension benefit $ (79) $ (75) $ (238) $ (227)

Stock-Based Compensation

Stock-Based Compensation	9 Months Ended
Stock-Based Compensation	Sep. 30, 2022
Stock-Based Compensation
Stock-Based Compensation	8. Stock-Based Compensation A summary of the Company’s stock option activity and Three Months Ended September 30, 2022 Weighted Average Exercise Price Per Options Share Outstanding at beginning of quarter 132,977 $ 11.61 Grants — — Exercised — — Outstanding at quarter end 132,977 $ 11.61 Exercisable at quarter end — $ — Nine Months Ended September 30, 2022 Weighted Average Exercise Price Per Options Share Outstanding at beginning of year — $ — Grants 132,977 11.61 Exercised — — Outstanding at quarter end 132,977 $ 11.61 Exercisable at quarter end — $ — There were no stock options granted for the three- and nine-month periods ended September 30, 2021. The grants The compensation expense of the awards is based on the fair value of the instruments on the date of grant. The Company recorded compensation expense in the amount of $21,000 and $32,000 for the three and nine months ended September 30, 2022. An aggregate of 53,191 shares of restricted stock were granted to directors and senior management during the period ended September 30, 2022. These shares of restricted stock vest in the same manner as the stock options described above. The Company recorded compensation expense in the amount of $31,000 and $43,000 for the three and nine months ended September 30, 2022.

Regulatory Capital

Regulatory Capital	9 Months Ended
Regulatory Capital	Sep. 30, 2022
Regulatory Capital
Regulatory Capital	9. Regulatory Capital The Bank is subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Bank’s assets, liabilities, and certain off-balance-sheet items as calculated under regulatory accounting practices. The Bank’s capital amounts and classifications are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain amounts and ratios (set forth in the table below) of total core and Tier 1 capital (as defined in the regulations) to risk-weighted assets (as defined), and of Tier 1 capital (as defined) to total adjusted assets (as defined). Under applicable regulation, the Bank must hold a 2.50% capital conservation buffer above the adequately capitalized risk-based capital ratios. The net unrealized gain or loss on available-for-sale securities is not included in computing regulatory capital. Management believes as of September 30, 2022 and December 31, 2021, the Bank meets all capital adequacy requirements to which it is subject. The Bank’s actual capital amounts and ratios are as follows: Minimum To Be "Well- Minimum Capitalized" For Capital Under Prompt Actual Adequacy Purposes Corrective Provisions (in thousands) Amount Ratio Amount Ratio Amount Ratio As of September 30, 2022 Common Equity Tier 1 Capital $ 41,078 14.25 % $ 12,970 4.50 % $ 18,734 6.50 % Total Capital (to Risk-Weighted Assets) $ 43,404 15.06 % $ 23,058 8.00 % $ 28,822 10.00 % Tier 1 Capital (to Risk-Weighted Assets) $ 41,078 14.25 % $ 17,293 6.00 % $ 23,058 8.00 % Tier 1 Capital (to Total Adjusted Assets) $ 41,078 11.21 % $ 14,652 4.00 % $ 18,315 5.00 % As of December 31, 2021: Common Equity Tier 1 Capital $ 41,287 14.82 % $ 12,534 4.50 % $ 18,104 6.50 % Total Capital (to Risk-Weighted Assets) $ 43,128 15.48 % $ 22,282 8.00 % $ 27,853 10.00 % Tier 1 Capital (to Risk-Weighted Assets) $ 41,287 14.82 % $ 16,712 6.00 % $ 22,282 8.00 % Tier 1 Capital (to Total Adjusted Assets) $ 41,287 10.99 % $ 15,034 4.00 % $ 18,792 5.00 % The Company’s goal is to maintain a strong capital position, consistent with the risk profile of its subsidiary bank that supports growth and expansion activities while at the same time exceeding regulatory standards. At September 30, 2022 and December 31, 2021, Generations Bank exceeded all regulatory required minimum capital ratios and met the regulatory definition of a “well-capitalized” institution, i.e. Tier 1 Capital (to Total Adjusted Asset) exceeding 5.00%, a common equity Tier 1 capital ratio exceeding 6.50%, a Tier 1 risk-based capital ratio exceeding 8.00%, and a total risk-based capital ratio exceeding 10.00%. By letter dated September 10, 2020, based on its supervisory profile, the Office of the Comptroller of the Currency (“OCC”) established higher individual minimum capital ratios for Generations Bank. Specifically, effective September 10, 2020, Generations Bank is required to maintain a leverage ratio of 8.00% and a total capital ratio of 12.00%. The individual minimum capital ratios will remain in effect until terminated, modified, or suspended in writing by the OCC.

Commitments and Contingencies

Commitments and Contingencies	9 Months Ended
Commitments and Contingencies	Sep. 30, 2022
Commitments and Contingencies
Commitments and Contingencies	10. Commitments and Contingencies Credit Commitments The Bank is a party to financial instruments with off-balance sheet risk in the normal course of business in order to meet the financing needs of its customers. These financial instruments include commitments to extend credit and standby letters of credit, which involve, to varying degrees, elements of credit, interest rate, or liquidity risk in excess of the amount recognized in the consolidated statements of financial condition. The Bank’s exposure to credit loss in the event of non-performance by the other party to the financial instrument for commitments to extend credit is represented by the contractual amounts of those instruments. The Bank has experienced minimal credit losses to date on its financial instruments with off-balance sheet risk and management does not anticipate any significant losses on its commitments to extend credit outstanding at September 30, 2022. Financial instruments whose contract amounts represent credit risk consist of the following: At September 30, At December 31, (In thousands) 2022 2021 Commitments to grant loans $ 8,498 $ 3,524 Unfunded commitments under lines of credit 16,124 15,568 Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. The Bank uses the same credit policies in making commitments and conditional obligations as it does for on-balance sheet instruments. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since some of the commitment amounts are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Bank evaluates each customer’s creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Bank upon extension of credit, is based on management’s credit evaluation of the counter party. Collateral held varies but may include residential real estate and income-producing commercial properties. Loan commitments, including unused lines of credit and standby letters of credit, outstanding at September 30, 2022 with fixed interest rates amounted to approximately $11.7 million. Loan commitments, including unused lines of credit and standby letters of credit, outstanding at September 30, 2022 with variable interest rates amounted to approximately $12.9 million. Loan commitments, including unused lines of credit and standby letters of credit, outstanding at December 31, 2021 with fixed interest rates amounted to approximately $3.8 million. Loan commitments, including unused lines of credit and standby letters of credit, outstanding at December 31, 2021 with variable interest rates amounted to approximately $15.3 million. Unfunded commitments under revolving credit lines and overdraft protection agreements are commitments for possible future extensions of credit to existing customers. These lines of credit usually do not contain a specified maturity date and may not be drawn upon to the total extent to which the Company is committed. Letters of credit written are conditional commitments issued by the Company to guarantee the performance of a customer to a third party. Generally, all letters of credit, when issued have expiration dates. The credit risk involved in issuing letters of credit is essentially the same as those that are involved in extending loan facilities to customers. The Company generally holds collateral and/or personal guarantees supporting these commitments. Management believes that the proceeds obtained through a liquidation of collateral and the enforcement of guarantees would be sufficient to cover the potential amount of future payments required under the corresponding guarantees. Commitments to Originate and Sell One- to four-family Residential Mortgages The Bank has sold and funded $68.6 million of loans to the Federal Home Loan Bank of New York as part of its mortgage partnership finance program (“MPF Program”), inclusive of USDA loans, to date. The principal outstanding balance on loans sold under the MPF Program is $8.9 million at September 30, 2022. The Bank continues to service loans sold under the MPF Program. Under the terms of the MPF Program, there is limited recourse to the Bank for loans that do not perform in accordance with the terms of the loan agreement. Each loan that is sold under the program is “credit enhanced” such that the individual loan’s rating is raised to “AA,” as determined by the Federal Home Loan Bank of New York. The sum of each individual loan’s credit enhancement represents the total recourse back to the Bank. The total recourse back to the Bank for loans sold was $707,000 at September 30, 2022. A portion of the recourse is offset by a “first loss account” to which funds are allocated by the Federal Home Loan Bank of New York annually in January. The balance of the “first loss account” allocated to the Bank was $91,000 at September 30, 2022. In addition, many of the loans sold under the MPF Program have primary mortgage insurance, which reduces the Bank’s overall exposure. The potential liability for the recourse is considered when the Bank determines its allowance for loan losses. Lease Commitments As part of the Medina Savings and Loan Association merger, the Bank took on the assignment of a non-cancelable operating lease with Wal-Mart East for the space occupied by the Albion retail office. This lease expired on May 31, 2021 and was not renewed and the office was closed on May 7, 2021. Lease expense, since the merger, is included in occupancy expense and was $0 and $19,000 for the nine-month periods ended September 30, 2022 and 2021, respectively, and $19,000 for the year ending December 31, 2021. There are no future minimum lease commitments at September 30, 2022.

Revenue from Contracts with Cus

Revenue from Contracts with Customers	9 Months Ended
Revenue from Contracts with Customers	Sep. 30, 2022
Revenue from Contracts with Customers
Revenue from Contracts with Customers	11. Revenue from Contracts with Customers The majority of the Company’s revenue-generating transactions are not subject to ASC Topic 606, including revenue generated from financial instruments, such as loans and investment securities, which are presented in our consolidated statements of operations as components of net interest income. All of the Company’s revenue from contracts with customers in the scope of Topic 606 is recognized within non-interest income. The following table presents revenues subject to Topic 606: Three Months Ended September 30, Nine Months Ended September 30, (In thousands) 2022 2021 2022 2021 Service charges on deposit accounts $ 162 $ 149 $ 470 $ 415 Debit card interchange and surcharge income 186 208 568 651 Insurance commissions 77 172 375 547 Loan servicing fees 34 40 141 99 $ 459 $ 569 $ 1,554 $ 1,712 Service charges on deposit accounts Debit card interchange and surcharge income Insurance commissions Loan servicing fees

Fair Value Disclosures

Fair Value Disclosures	9 Months Ended
Fair Value Disclosures	Sep. 30, 2022
Fair Value Disclosures
Fair Value Disclosures	12. Fair Value Disclosures Management uses its best judgment in estimating the fair value of the Company’s financial assets and liabilities; however, there are inherent weaknesses in any estimation technique. Therefore, for substantially all financial assets and liabilities, the fair value estimates herein are not necessarily indicative of the amounts the Company could have realized in a sale transaction on the dates indicated. The estimated fair value amounts have been measured as of their respective reporting dates and have not been re-evaluated or updated for purposes of these financial statements subsequent to those respective dates. As such, the estimated fair values of these financial assets and liabilities subsequent to the respective reporting dates may be different from the amounts reported at each reporting date. The Company uses fair value measurements to record fair value adjustments to certain financial assets and liabilities and to determine fair value disclosures. The fair value of a financial asset or liability is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. Fair value is best determined based upon quoted market prices. However, in some instances, there may be no quoted market prices for the Company’s various financial assets and liabilities. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. Accordingly, the fair value estimates may not be realized in an immediate settlement of the financial asset or liability. Fair value measurement guidance established a fair value hierarchy that prioritizes the inputs to valuation techniques used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (level 1 measurements) and the lowest priority to unobservable inputs (level 3 measurements). The three levels of the fair value hierarchy are as follows: Level 1: Unadjusted quoted prices in active markets that are accessible at the measurement date of identical, unrestricted assets or liabilities. Level 2: Quoted prices in markets that are not active, or inputs that are observable directly or indirectly, for substantially the full term of the asset or liability. Level 3: Prices or valuation techniques that require inputs that are both significant to the fair value measurement and unobservable (i.e. supported with little or no market activity). An asset or liability’s level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement. There have been no changes in valuation techniques during the periods ended September 30, 2022 and December 31, 2021. The following information should not be interpreted as an estimate of the fair value of the entire Company since a fair value calculation is only provided for a limited portion of the Company’s assets and liabilities. Due to a wide range of valuation techniques and the degree of subjectivity used in making the estimates, comparison between the Company’s disclosures and those of other companies may not be meaningful. The following methods and assumptions were used to estimate the fair values of the Company’s assets and liabilities at September 30, 2022 and December 31, 2021. Cash and due from banks Interest-earning deposits Investment securities Sensitivity of significant unobservable inputs Municipal bonds Federal Home Loan Bank (“FHLB”) stock Loans receivable Impaired loans Deposits Accrued interest Long-term borrowings The following table presents a comparison of the carrying amount and estimated fair value of the Company’s financial instruments: At September 30, 2022 Carrying Fair (In thousands) Amount Level 1 Level 2 Level 3 Value Financial assets: Cash and cash equivalents $ 7,398 $ 7,398 $ — $ — $ 7,398 Interest-bearing time deposits in banks 650 — 650 — 650 Securities available-for-sale 31,628 — 29,937 1,691 31,628 Securities held-to-maturity 971 — 945 — 945 Equity securities 283 283 — — 283 Loans receivable, net 291,651 — — 284,220 284,220 FHLB stock 1,646 — 1,646 — 1,646 Accrued interest receivable 1,216 1,216 — — 1,216 Financial liabilities: Deposits $ 308,308 $ 96,818 $ — $ 203,730 $ 300,548 Long-term borrowings 10,496 — 14,953 — 14,953 Accrued interest payable 55 55 — — 55 At December 31, 2021 Carrying Fair (In thousands) Amount Level 1 Level 2 Level 3 Value Financial assets: Cash and cash equivalents $ 20,997 $ 20,997 $ — $ — $ 20,997 Interest-bearing time deposits in banks 650 — 650 — 650 Securities available-for-sale 36,975 — 33,965 3,010 36,975 Securities held-to-maturity 1,128 — 1,150 — 1,150 Equity securities 350 350 — — 350 Loans receivable, net 278,120 — — 281,502 281,502 FHLB stock 1,450 — 1,450 — 1,450 Accrued interest receivable 1,249 1,249 — — 1,249 Financial liabilities: Deposits $ 312,049 $ 94,709 $ — $ 219,261 $ 313,970 Long-term borrowings 17,760 — 21,985 — 21,985 Accrued interest payable 35 35 — — 35 The following tables summarize assets measured at fair value on a recurring basis, segregated by the level of valuation inputs within the hierarchy utilized to measure fair value: At September 30, 2022 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Securities available-for-sale: Debt investment securities: Residential mortgage-backed - US agency and GSEs $ — $ 26 $ — $ 26 Corporate bonds — 17,645 — 17,645 Municipal bonds — 12,266 1,691 13,957 Equity investment securities: Large cap equity mutual fund 35 — — 35 Other mutual funds 248 — — 248 Total investment securities $ 283 $ 29,937 $ 1,691 $ 31,911 At December 31, 2021 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Securities available-for-sale: Debt investment securities: Residential mortgage-backed - US agency and GSEs $ — $ 33 $ — $ 33 Corporate bonds — 18,043 — 18,043 Municipal bonds — 15,889 3,010 18,899 Equity investment securities: Large cap equity mutual fund 45 — — 45 Other mutual funds 305 — — 305 Total investment securities $ 350 $ 33,965 $ 3,010 $ 37,325 The changes in Level 3 assets measured at estimated fair value on a recurring basis during the periods noted: Investment (In thousands) Securities Balance - December 31, 2021 $ 3,010 Total losses realized/unrealized: Included in other comprehensive loss (207) Purchases 85 Principal payments/maturities (1,197) Balance - September 30, 2022 $ 1,691 Investment (In thousands) Securities Balance - December 31, 2020 $ 3,174 Total gains realized/unrealized: Included in other comprehensive income 170 Purchases 826 Principal payments/maturities (1,141) Balance - September 30, 2021 $ 3,029 Certain assets and liabilities are measured at fair value on a nonrecurring basis; that is, the instruments are not measured at fair value on an ongoing basis but are subject to fair value adjustments in certain circumstances (for example, when there is evidence of impairment). The following tables summarize assets measured at fair value on a nonrecurring basis segregated by the level of valuation inputs within the hierarchy utilized to measure fair value: At September 30, 2022 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Impaired loans $ — $ — $ — $ — Foreclosed real estate & repossessed assets — — 69 69 At December 31, 2021 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Impaired loans $ — $ — $ 260 $ 260 Foreclosed real estate & repossessed assets — — 27 27 There have been no transfers of assets in or out of any fair value measurement level. The following table presents additional quantitative information about assets measured at fair value on a recurring basis and for which Level 3 inputs were used to determine fair value: Quantitative Information about Level 3 Fair Value Measurements Valuation Unobservable Range Techniques Input (Weighted Avg.) Investment type- Other Investments Scheduled principal Cost to Sell 0% and interest payments Carrying value 100% The following table presents quantitative information about Level 3 fair value measurements for assets measured at fair value on a nonrecurring basis at September 30, 2022 and December 31, 2021: Quantitative Information about Level 3 Fair Value Measurements Valuation Unobservable Range Techniques Input (Weighted Avg.) Impaired loans - Appraisal of collateral Appraisal Adjustments 5% - 35% (20)% One-to four-family residential Costs to Sell 5% - 15% (10)% Impaired loans - Appraisal of collateral Appraisal Adjustments 5% - 35% (25)% Commercial business Changes in property condition 10% - 20% (15)% Costs to Sell 5% - 15% (10)% Foreclosed real estate and repossessed assets Appraisal of collateral Appraisal Adjustments 5% - 35% (25)% Changes in property condition 10% - 20% (15)% Costs to Sell 5% - 15% (10)% Impaired loans Foreclosed real estate & repossessed assets loan disclosures above, fair value is commonly based on recent real estate appraisals, or estimated value from auction house or qualified dealer, and adjusted as deemed necessary by independent appraisers and management and estimated costs to sell resulting in a level 3 fair value classification. Foreclosed and repossessed assets are evaluated on a monthly basis to determine whether an additional reduction in the fair value less estimated costs to sell should be recorded.

Segment Information

Segment Information	9 Months Ended
Segment Information	Sep. 30, 2022
Segment Information
Segment Information	13. Segment Information The Company has three primary business segments, its community banking franchise, its insurance agency, and a limited-purpose commercial bank. The community banking segment provides financial services to consumers and businesses principally in the Finger Lakes Region and Orleans County of New York State. These services include providing various types of loans to customers, accepting deposits, mortgage banking, and other traditional banking services. Parent company and treasury function income is included in the community-banking segment, as the majority of effort for these functions is related to this segment. Major revenue sources include net interest income and service fees on deposit accounts. Expenses include personnel and branch-network support charges. The insurance agency segment offers insurance coverage to businesses and individuals in the Finger Lakes Region. The insurance activities consist of those conducted through the Bank’s wholly owned subsidiary, Generations Agency. The primary revenue source is commissions. Pursuant to a Management Agreement, which became effective on April 1, 2022, personnel and office support charges were assumed by Northwoods. The municipal banking segment is a New York State chartered limited-purpose commercial bank formed expressly to enable local municipalities, primarily within the Finger Lakes Region and Northwest New York State, to deposit public funds with the Commercial Bank in accordance with existing NYS municipal law. The Commercial Bank is a wholly owned subsidiary of the Bank. The major revenue source is net interest income. Expenses include rent and support charges for using the assets and technology of the Bank. Information about the segments is presented in the following tables as of and for the periods as noted: Three Months Ended September 30, 2022 2021 Community Municipal Community Municipal Banking Insurance Banking Banking Insurance Banking (In thousands) Activities Activities Activities Total Activities Activities Activities Total Net interest income $ 2,865 $ — $ 66 $ 2,931 $ 3,074 $ — $ 61 $ 3,135 Provision for loan losses 181 — — 181 135 — — 135 Net interest income after provision for loan losses 2,684 — 66 2,750 2,939 — 61 3,000 Total noninterest income 414 76 — 490 500 171 — 671 Compensation and benefits (1,245) — — (1,245) (1,251) (90) — (1,341) Other noninterest expense (1,606) (2) (21) (1,629) (2,048) (44) (32) (2,124) Income before income tax expense 247 74 45 366 140 37 29 206 Income tax expense 58 — 8 66 28 — 5 33 Net income $ 189 $ 74 $ 37 $ 300 $ 112 $ 37 $ 24 $ 173 Nine Months Ended September 30, 2022 2021 Community Municipal Community Municipal Banking Insurance Banking Banking Insurance Banking (In thousands) Activities Activities Activities Total Activities Activities Activities Total Net interest income $ 8,457 $ — $ 191 $ 8,648 $ 8,719 $ — $ 188 $ 8,907 Provision for loan losses 481 — — 481 405 — — 405 Net interest income after provision for loan losses 7,976 — 191 8,167 8,314 — 188 8,502 Total noninterest income 1,304 369 — 1,673 1,448 555 — 2,003 Compensation and benefits (3,538) (105) — (3,643) (3,661) (281) — (3,942) Other noninterest expense (4,852) (35) (61) (4,948) (5,273) (110) (94) (5,477) Income before income tax expense (benefit) 890 229 130 1,249 828 164 94 1,086 Income tax expense (benefit) 186 — 22 208 173 — 18 191 Net income $ 704 $ 229 $ 108 $ 1,041 $ 655 $ 164 $ 76 $ 895 The following represents a reconciliation of the Company’s reported segment assets: At September 30, At December 31, (In thousands) 2022 2021 Total assets for reportable segments $ 389,785 $ 395,225 Elimination of intercompany balances (16,173) (16,276) Consolidated total assets $ 373,612 $ 378,949 The accounting policies of each segment are the same as those described in the summary of significant accounting policies.

Recently Issued Accounting Pron

Recently Issued Accounting Pronouncements	9 Months Ended
Recently Issued Accounting Pronouncements	Sep. 30, 2022
Recently Issued Accounting Pronouncements
Recently Issued Accounting Pronouncements	14. Recently Issued Accounting Pronouncements ASU No. 2016-13 In September 2016, the FASB issued ASU No. 2016-13, “Measurement of Credit Losses on Financial Instruments.” This ASU significantly changes how entities will measure credit losses for most financial assets and certain other instruments that are not measured at fair value through net income. In issuing the standard, the FASB is responding to criticism that today’s guidance delays recognition of credit losses. The standard will replace today’s “incurred loss” approach with an “expected loss” model. The new model, referred to as the current expected credit loss (“CECL”) model, will apply to: (1) financial assets subject to credit losses and measured at amortized cost, and (2) certain off-balance sheet credit exposures. This includes, but is not limited to, loans, leases, held-to-maturity securities, loan commitments, and financial guarantees. The CECL model does not apply to available-for-sale (“AFS”) debt securities. For AFS debt securities with unrealized losses, entities will measure credit losses in a manner similar to what they do today, except that the losses will be recognized as allowances rather than reductions in the amortized cost of the securities. As a result, entities will recognize improvements to estimated credit losses immediately in earnings rather than as interest income over time, as they do today. The ASU also simplifies the accounting model for purchased credit-impaired debt securities and loans. ASU 2016-13 also expands the disclosure requirements regarding an entity’s assumptions, models, and methods for estimating the allowance for loan and lease losses. In addition, entities will need to disclose the amortized cost balance for each class of financial asset by credit quality indicator, disaggregated by the year of origination. ASU No. 2016-13 is effective for public business entities that are U.S. Securities and Exchange Commission (“SEC”) filers for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years. For SEC filers that are Smaller Reporting Companies, such as the Company, all other public business entities, and other non-public entities, the amendments are effective for fiscal years beginning after December 15, 2022, including interim periods within those fiscal years. Early adoption is permitted for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2018. Entities will apply the standard’s provisions as a cumulative-effect adjustment to retained earnings as of the beginning of the first reporting period in which the guidance is effective (i.e., modified retrospective approach). The Company is currently evaluating the impact of these amendments to the Company’s financial position and results of operations and will hire a vendor to assist with expected credit loss projections. The Allowance for Loan Losses (“ALL”) estimate is material to the Company and given the change from an incurred loss model to a methodology that considers the credit loss over the life of the loan, there is the potential for an increase in the ALL at adoption date. The Company is anticipating a significant change in the processes and procedures to calculate the ALL, including changes in assumptions and estimates to consider expected credit losses over the life of the loan versus the current accounting practice that utilizes the incurred loss model. In addition, the current accounting policy and procedures for the other-than-temporary impairment on available-for-sale securities will be replaced with an allowance approach. The Company continues to collect and retain historical loan and credit data. The Company is in the process of identifying data gaps. The Board of Directors is informed of ongoing CECL developments. For additional information on the allowance for loan losses, see Notes 5 and 6 to these condensed consolidated financial statements. ASU No. 2022-02 In March 2022, the FASB issued ASU No. 2022-02, amendments related to Troubled Debt Restructurings (TDRs) for all entities after they adopt 2016-13 and amendments related to vintage disclosures that affect public business entities with investments in financing receivables, under Financial Instruments-Credit Losses (Topic 326). The amendments in the accounting guidance for TDRs by credits eliminates the recognition and measurement guidance for TDRs in Subtopic 310-40. The effective dates for the amendments in this Update are the same as the effective dates in Update 2016-13. The amendments in this update should be applied prospectively, except for the transition method related to the recognition and measurement of TDRs, an entity as the option to apply a modified retrospective transition method, resulting in a cumulative-effect adjustment to retained earnings in the period of adoption. ASU No. 2022-03 In June 2022, the FASB issued ASU No. 2022-03, to update guidance intended to increase the comparability of financial information across reporting entities that have investments in equity securities measured at fair value that are subject to contractual restrictions preventing the sale of those securities. The updated guidance clarifies that a contractual restriction on the sale of an equity security is not considered part of the unit of account of the equity security and, as a result, should not be considered in measuring fair value. In addition, new disclosures are required about the nature of the restrictions and their remaining duration. The updated guidance is effective for interim and annual reporting periods beginning after December 15, 2023, with early adoption permitted. The Company does not expect the adoption of this guidance to impact its condensed consolidated financial statements.

Subsequent Events

Subsequent Events	9 Months Ended
Subsequent Events	Sep. 30, 2022
Subsequent Events
Subsequent Events	15. Subsequent Events The Company has evaluated subsequent events through November 4, 2022, which is the date the consolidated financial statements were issued.

Nature of Operations (Policies)

Nature of Operations (Policies)	9 Months Ended
Nature of Operations (Policies)	Sep. 30, 2022
Nature of Operations
Interim Financial Statements	Interim Financial Statements The interim condensed consolidated financial statements as of September 30, 2022, and for the three and nine months ended September 30, 2022 and 2021, are unaudited and reflect all normal recurring adjustments that are, in the opinion of management, necessary for a fair presentation of the results for the interim periods presented. Such adjustments are the only adjustments contained in these unaudited consolidated financial statements. These unaudited condensed consolidated financial statements have been prepared according to the rules and regulations of the Securities and Exchange Commission, and therefore certain information and footnote disclosures normally included in the financial statements prepared in accordance with generally accepted accounting principles in the United States of America (“GAAP”) have been omitted. The results of operations for the three and nine months ended September 30, 2022 are not necessarily indicative of the results to be achieved for the remainder of the year ending December 31, 2022, or any other period. Certain prior period data presented in the consolidated financial statements has been reclassified to conform to current year presentation. The accompanying condensed consolidated financial statements should be read in conjunction with the financial statements and notes thereto of the Company for the year ended December 31, 2021 included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2021. Reference is made to the accounting policies of the Company described in the Notes to Financial Statements contained in the Annual Report on Form 10-K for the year ended December 31, 2021.

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Loss (Tables)	9 Months Ended
Accumulated Other Comprehensive Loss (Tables)	Sep. 30, 2022
Accumulated Other Comprehensive Loss
Schedule of Other comprehensive loss information	Unrealized Accumulated Gains (Losses) Defined Other Three Months Ended September 30, on Securities Benefit Comprehensive (In thousands) Available-for-Sale Pension Plan Loss Balance, June 30, 2022 $ (4,043) $ (1,181) $ (5,224) Other comprehensive loss before reclassifications (1,041) — (1,041) Net current-period other comprehensive loss (1,041) — (1,041) Balance, September 30, 2022 $ (5,084) $ (1,181) $ (6,265) Balance, June 30, 2021 $ 882 $ (2,093) $ (1,211) Other comprehensive loss before reclassifications (276) — (276) Amounts reclassified from AOCI to the income statement (11) 23 12 Net current-period other comprehensive income (loss) (287) 23 (264) Balance, September 30, 2021 $ 595 $ (2,070) $ (1,475) Unrealized Accumulated (Losses) Gains Defined Other Nine Months Ended September 30, on Securities Benefit Comprehensive (In thousands) Available-for-Sale Pension Plan Loss Balance, December 31, 2021 $ 215 $ (1,181) $ (966) Other comprehensive loss before reclassifications (5,299) — (5,299) Net current-period other comprehensive loss (5,299) — (5,299) Balance, September 30, 2022 $ (5,084) $ (1,181) $ (6,265) Balance, December 31, 2020 $ 723 $ (2,138) $ (1,415) Other comprehensive loss before reclassifications (119) — (119) Amounts reclassified from AOCI to the income statement (9) 68 59 Net current-period other comprehensive income (loss) (128) 68 (60) Balance, September 30, 2021 $ 595 $ (2,070) $ (1,475)
Reclassified out of each component of accumulated other comprehensive loss	Three months ended September 30, Nine months ended September 30, Affected Line Item in the (In thousands) 2022 2021 2022 2021 Statement of Income Available-for-sale securities: Realized gain on sale of securities $ — $ (13) $ — $ (11) Net gain on sale of securities Tax effect — 2 — 2 Income tax expense $ — $ (11) $ — $ (9) Net income Defined benefit pension plan: Retirement plan net losses recognized in net periodic pension cost $ — $ 28 $ — $ 85 Compensation and benefits Tax effect — (5) — (17) Income tax expense $ — $ 23 $ — $ 68 Net income

Earning Per Common Share (Table

Earning Per Common Share (Tables)	9 Months Ended
Earning Per Common Share (Tables)	Sep. 30, 2022
Earnings Per Common Share
Schedule of calculation of basic and diluted earnings per share	Three Months Ended September 30, (In thousands, except per share data) 2022 2021 Net income available to common stockholders $ 300 $ 173 Weighted-average common shares outstanding 2,299 2,348 Earnings per common share - basic and diluted $ 0.13 $ 0.07 Nine Months Ended September 30, (In thousands, except per share data) 2022 2021 Net income available to common stockholders $ 1,041 $ 895 Weighted-average common shares outstanding 2,327 2,352 Earnings per common share - basic and diluted $ 0.45 $ 0.38

Securities (Tables)

Securities (Tables)	9 Months Ended
Securities (Tables)	Sep. 30, 2022
Securities
Schedule of investments in securities available-for-sale and held-to-maturity	At September 30, 2022 Gross Gross Amortized Unrealized Unrealized Fair (in thousands) Cost Gains Losses Value Securities available-for-sale: Residential mortgage-backed - US agency and Government Sponsored Enterprise ("GSE") $ 27 $ — $ (1) $ 26 Corporate bonds 21,085 1 (3,441) 17,645 State and political subdivisions 16,951 — (2,994) 13,957 Total securities available-for-sale $ 38,063 $ 1 $ (6,436) $ 31,628 Securities held-to-maturity: Residential mortgage-backed - US agency and GSEs $ 971 $ 1 $ (27) $ 945 Total securities held-to-maturity $ 971 $ 1 $ (27) $ 945 Equity securities: Large cap equity mutual fund $ 35 $ 35 Other mutual funds 248 248 Total of equity securities $ 283 $ 283 At December 31, 2021 Gross Gross Amortized Unrealized Unrealized Fair (in thousands) Cost Gains Losses Value Securities available-for-sale: Residential mortgage-backed - US agency and GSEs $ 33 $ 1 $ (1) $ 33 Corporate bonds 18,589 266 (812) 18,043 State and political subdivisions 18,081 887 (69) 18,899 Total securities available-for-sale $ 36,703 $ 1,154 $ (882) $ 36,975 Securities held-to-maturity: Residential mortgage-backed - US agency and GSEs $ 1,128 $ 25 $ (3) $ 1,150 Total securities held-to-maturity $ 1,128 $ 25 $ (3) $ 1,150 Equity securities: Large cap equity mutual fund $ 45 $ 45 Other mutual funds 305 305 Total of equity securities $ 350 $ 350
Schedule of gross unrealized losses on investment securities and the fair value of the related securities	At September 30, 2022 12 Months or Less More than 12 Months Total Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unrealized (in thousands) Value Losses Value Losses Value Losses Securities available-for-sale: Residential mortgage-backed - US agency and GSEs $ — $ — $ 20 $ (1) $ 20 $ (1) Corporate bonds 13,136 (1,441) 3,422 (2,000) 16,558 (3,441) State and political subdivisions 10,267 (2,114) 3,690 (880) 13,957 (2,994) Total securities available-for-sale $ 23,403 $ (3,555) $ 7,132 $ (2,881) $ 30,535 $ (6,436) Securities held-to-maturity: Residential mortgage-backed - US agency and GSEs $ 652 $ (19) $ 217 $ (8) $ 869 $ (27) Total securities held-to-maturity $ 652 $ (19) $ 217 $ (8) $ 869 $ (27) At December 31, 2021 12 Months or Less More than 12 Months Total Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unrealized (in thousands) Value Losses Value Losses Value Losses Securities available-for-sale: Residential mortgage-backed - US agency and GSEs $ — $ — $ 23 $ (1) $ 23 $ (1) Corporate bonds 9,925 (812) — — 9,925 (812) State and political subdivisions 4,774 (69) — — 4,774 (69) Total securities available-for-sale $ 14,699 $ (881) $ 23 $ (1) $ 14,722 $ (882) Securities held-to-maturity: Residential mortgage-backed - US agency and GSEs $ — $ — $ 156 $ (3) $ 156 $ (3) Total securities held-to-maturity $ — $ — $ 156 $ (3) $ 156 $ (3)
Summary of the amortized cost and estimated fair values of debt securities	At September 30, 2022 Securities Securities Available-for-Sale Held-to-Maturity Amortized Estimated Amortized Estimated (in thousands) Cost Fair Value Cost Fair Value Due in one year or less $ 432 $ 424 $ — $ — Due over one year through five years 3,156 2,940 — — Due over five through ten years 4,355 3,437 — — Due after ten years 30,093 24,801 — — 38,036 31,602 — — Residential mortgage-backed securities 27 26 971 945 Total $ 38,063 $ 31,628 $ 971 $ 945

Loans Receivable (Tables)

Loans Receivable (Tables)	9 Months Ended
Loans Receivable (Tables)	Sep. 30, 2022
Loans Receivable
Schedule of major classifications of loans	At September 30, At December 31, (In thousands) 2022 2021 Originated Loans: Residential mortgages: One- to four-family $ 120,195 $ 102,766 Construction 184 — 120,379 102,766 Commercial loans: Real estate - nonresidential 15,542 19,734 Multi-family 446 456 Commercial business 9,709 12,366 25,697 32,556 Consumer: Home equity and junior liens 10,653 8,840 Manufactured homes 49,887 47,717 Automobile 23,843 22,666 Student 1,921 2,096 Recreational vehicle 27,013 29,463 Other consumer 7,419 5,408 120,736 116,190 Total originated loans 266,812 251,512 Net deferred loan costs 16,052 15,650 Less allowance for loan losses (2,326) (1,841) Net originated loans $ 280,538 $ 265,321 At September 30, At December 31, (In thousands) 2022 2021 Acquired Loans: Residential mortgages: One- to four-family $ 9,038 $ 10,295 9,038 10,295 Commercial loans: Real estate - nonresidential 1,621 1,744 Commercial business 111 162 1,732 1,906 Consumer: Home equity and junior liens 581 861 Other consumer 52 84 633 945 Total acquired loans 11,403 13,146 Net deferred loan costs (55) (60) Fair value credit and yield adjustment (235) (287) Net acquired loans $ 11,113 $ 12,799 At September 30, At December 31, (In thousands) 2022 2021 Total Loans: Residential mortgages: One- to four-family $ 129,233 $ 113,061 Construction 184 — 129,417 113,061 Commercial loans: Real estate - nonresidential 17,163 21,478 Multi-family 446 456 Commercial business 9,820 12,528 27,429 34,462 Consumer: Home equity and junior liens 11,234 9,701 Manufactured homes 49,887 47,717 Automobile 23,843 22,666 Student 1,921 2,096 Recreational vehicle 27,013 29,463 Other consumer 7,471 5,492 121,369 117,135 Total Loans 278,215 264,658 Net deferred loan costs 15,997 15,590 Fair value credit and yield adjustment (235) (287) Less allowance for loan losses (2,326) (1,841) Loans receivable, net $ 291,651 $ 278,120
Summary of loan portfolio by Company's internal risk rating system	At September 30, 2022 Special (In thousands) Pass Mention Substandard Doubtful Total Originated Loans: Residential mortgages: One- to four-family $ 116,608 $ 1,263 $ 2,324 $ — $ 120,195 Construction 184 — — — 184 116,792 1,263 2,324 — 120,379 Commercial loans: Real estate - nonresidential 13,131 1,995 416 — 15,542 Multi-family 446 — — — 446 Commercial business 6,441 3,106 162 — 9,709 20,018 5,101 578 — 25,697 Consumer: Home equity and junior liens 10,464 19 170 — 10,653 Manufactured homes 49,574 168 145 — 49,887 Automobile 23,704 107 32 — 23,843 Student 1,857 2 62 — 1,921 Recreational vehicle 26,844 169 — — 27,013 Other consumer 7,342 77 — — 7,419 119,785 542 409 — 120,736 Total originated loans $ 256,595 $ 6,906 $ 3,311 $ — $ 266,812 At September 30, 2022 Special (In thousands) Pass Mention Substandard Doubtful Total Acquired Loans: Residential mortgages: One- to four-family $ 8,715 $ 82 $ 241 $ — $ 9,038 8,715 82 241 — 9,038 Commercial loans: Real estate - nonresidential 1,621 — — — 1,621 Commercial business 111 — — — 111 1,732 — — — 1,732 Consumer: Home equity and junior liens 546 — 35 — 581 Other consumer 52 — — — 52 598 — 35 — 633 Total acquired loans $ 11,045 $ 82 $ 276 $ — $ 11,403 At September 30, 2022 Special (In thousands) Pass Mention Substandard Doubtful Total Total Loans: Residential mortgages: One- to four-family $ 125,323 $ 1,345 $ 2,565 $ — $ 129,233 Construction 184 — — — 184 125,507 1,345 2,565 — 129,417 Commercial loans: Real estate - nonresidential 14,752 1,995 416 — 17,163 Multi-family 446 — — — 446 Commercial business 6,552 3,106 162 — 9,820 21,750 5,101 578 — 27,429 Consumer: Home equity and junior liens 11,010 19 205 — 11,234 Manufactured homes 49,574 168 145 — 49,887 Automobile 23,704 107 32 — 23,843 Student 1,857 2 62 — 1,921 Recreational vehicle 26,844 169 — — 27,013 Other consumer 7,394 77 — — 7,471 120,383 542 444 — 121,369 Total loans $ 267,640 $ 6,988 $ 3,587 $ — $ 278,215 At December 31, 2021 Special (In thousands) Pass Mention Substandard Doubtful Total Originated Loans: Residential mortgages: One- to four-family $ 99,294 $ 1,110 $ 2,362 $ — $ 102,766 99,294 1,110 2,362 — 102,766 Commercial loans: Real estate - nonresidential 14,464 3,045 2,225 — 19,734 Multi-family 456 — — — 456 Commercial business 10,256 1,112 998 — 12,366 25,176 4,157 3,223 — 32,556 Consumer: Home equity and junior liens 8,753 41 46 — 8,840 Manufactured homes 47,717 — — — 47,717 Automobile 22,558 64 44 — 22,666 Student 2,096 — — — 2,096 Recreational vehicle 29,424 39 — — 29,463 Other consumer 5,376 32 — — 5,408 115,924 176 90 — 116,190 Total originated loans $ 240,394 $ 5,443 $ 5,675 $ — $ 251,512 At December 31, 2021 Special (In thousands) Pass Mention Substandard Doubtful Total Acquired Loans: Residential mortgages: One- to four-family $ 10,038 $ 42 $ 215 $ — $ 10,295 10,038 42 215 — 10,295 Commercial loans: Real estate - nonresidential 1,744 — — — 1,744 Commercial business 162 — — — 162 1,906 — — — 1,906 Consumer: Home equity and junior liens 841 — 20 — 861 Other consumer 84 — — — 84 925 — 20 — 945 Total acquired loans $ 12,869 $ 42 $ 235 $ — $ 13,146 At December 31, 2021 Special (In thousands) Pass Mention Substandard Doubtful Total Total Loans: Residential mortgages: One- to four-family $ 109,332 $ 1,152 $ 2,577 $ — $ 113,061 109,332 1,152 2,577 — 113,061 Commercial loans: Real estate - nonresidential 16,208 3,045 2,225 — 21,478 Multi-family 456 — — — 456 Commercial business 10,418 1,112 998 — 12,528 27,082 4,157 3,223 — 34,462 Consumer: Home equity and junior liens 9,594 41 66 — 9,701 Manufactured homes 47,717 — — — 47,717 Automobile 22,558 64 44 — 22,666 Student 2,096 — — — 2,096 Recreational vehicle 29,424 39 — — 29,463 Other consumer 5,460 32 — — 5,492 116,849 176 110 — 117,135 Total loans $ 253,263 $ 5,485 $ 5,910 $ — $ 264,658
Schedule of age analysis of past due loans, segregated by class of loans	At September 30, 2022 90 Days 30-59 Days 60-89 Days or More Total Total Loans Total Loans (In thousands) Past Due Past Due Past Due Past Due Current Receivable Originated Loans: Residential mortgage loans: One- to four-family $ 3,238 $ 692 $ 2,324 $ 6,254 $ 113,941 $ 120,195 Construction — — — — 184 184 3,238 692 2,324 6,254 114,125 120,379 Commercial loans: Real estate - nonresidential — — 416 416 15,126 15,542 Multi-family — — — — 446 446 Commercial business 143 — 163 306 9,403 9,709 143 — 579 722 24,975 25,697 Consumer loans: Home equity and junior liens 85 35 170 290 10,363 10,653 Manufactured homes 783 168 145 1,096 48,791 49,887 Automobile 267 107 32 406 23,437 23,843 Student 7 2 62 71 1,850 1,921 Recreational vehicle 916 169 — 1,085 25,928 27,013 Other consumer 103 77 — 180 7,239 7,419 2,161 558 409 3,128 117,608 120,736 Total originated loans $ 5,542 $ 1,250 $ 3,312 $ 10,104 $ 256,708 $ 266,812 At September 30, 2022 90 Days 30-59 Days 60-89 Days or More Total Total Loans Total Loans (In thousands) Past Due Past Due Past Due Past Due Current Receivable Acquired Loans: Residential mortgage loans: One- to four-family $ 177 $ 46 $ 241 $ 464 $ 8,574 $ 9,038 177 46 241 464 8,574 9,038 Commercial loans: Real estate - nonresidential — — — — 1,621 1,621 Commercial business — — — — 111 111 — — — — 1,732 1,732 Consumer loans: Home equity and junior liens 15 — 35 50 531 581 Other consumer — — — — 52 52 15 — 35 50 583 633 Total acquired loans $ 192 $ 46 $ 276 $ 514 $ 10,889 $ 11,403 At September 30, 2022 90 Days 30-59 Days 60-89 Days or More Total Total Loans Total Loans (In thousands) Past Due Past Due Past Due Past Due Current Receivable Total Loans: Residential mortgage loans: One- to four-family $ 3,415 $ 738 $ 2,565 $ 6,718 $ 122,515 $ 129,233 Construction — — — — 184 184 3,415 738 2,565 6,718 122,699 129,417 Commercial loans: Real estate - nonresidential — — 416 416 16,747 17,163 Multi-family — — — — 446 446 Commercial business 143 — 163 306 9,514 9,820 143 — 579 722 26,707 27,429 Consumer loans: Home equity and junior liens 100 35 205 340 10,894 11,234 Manufactured homes 783 168 145 1,096 48,791 49,887 Automobile 267 107 32 406 23,437 23,843 Student 7 2 62 71 1,850 1,921 Recreational vehicle 916 169 — 1,085 25,928 27,013 Other consumer 103 77 — 180 7,291 7,471 2,176 558 444 3,178 118,191 121,369 Total loans $ 5,734 $ 1,296 $ 3,588 $ 10,618 $ 267,597 $ 278,215 At December 31, 2021 90 Days 30-59 Days 60-89 Days or More Total Total Loans Total Loans (In thousands) Past Due Past Due Past Due Past Due Current Receivable Originated Loans: Residential mortgage loans: One- to four-family $ 3,137 $ 757 $ 2,362 $ 6,256 $ 96,510 $ 102,766 3,137 757 2,362 6,256 96,510 102,766 Commercial loans: Real estate - nonresidential 389 — 416 805 18,929 19,734 Multi-family — — — — 456 456 Commercial business — 8 161 169 12,197 12,366 389 8 577 974 31,582 32,556 Consumer loans: Home equity and junior liens 149 31 46 226 8,614 8,840 Manufactured homes 922 615 — 1,537 46,180 47,717 Automobile 168 64 44 276 22,390 22,666 Student 95 — — 95 2,001 2,096 Recreational vehicle 605 39 — 644 28,819 29,463 Other consumer 75 32 — 107 5,301 5,408 2,014 781 90 2,885 113,305 116,190 Total originated loans $ 5,540 $ 1,546 $ 3,029 $ 10,115 $ 241,397 $ 251,512 At December 31, 2021 90 Days 30-59 Days 60-89 Days or More Total Total Loans Total Loans (In thousands) Past Due Past Due Past Due Past Due Current Receivable Acquired Loans: Residential mortgage loans: One- to four-family $ 318 $ 68 $ 215 $ 601 $ 9,694 $ 10,295 318 68 215 601 9,694 10,295 Commercial loans: Real estate - nonresidential — — — — 1,744 1,744 Commercial business 27 — — 27 135 162 27 — — 27 1,879 1,906 Consumer loans: Home equity and junior liens — — 20 20 841 861 Other consumer — — — — 84 84 — — 20 20 925 945 Total acquired loans $ 345 $ 68 $ 235 $ 648 $ 12,498 $ 13,146 At December 31, 2021 90 Days 30-59 Days 60-89 Days or More Total Total Loans Total Loans (In thousands) Past Due Past Due Past Due Past Due Current Receivable Total Loans: Residential mortgage loans: One- to four-family $ 3,455 $ 825 $ 2,577 $ 6,857 $ 106,204 $ 113,061 3,455 825 2,577 6,857 106,204 113,061 Commercial loans: Real estate - nonresidential 389 — 416 805 20,673 21,478 Multi-family — — — — 456 456 Commercial business 27 8 161 196 12,332 12,528 416 8 577 1,001 33,461 34,462 Consumer loans: Home equity and junior liens 149 31 66 246 9,455 9,701 Manufactured homes 922 615 — 1,537 46,180 47,717 Automobile 168 64 44 276 22,390 22,666 Student 95 — — 95 2,001 2,096 Recreational vehicle 605 39 — 644 28,819 29,463 Other consumer 75 32 — 107 5,385 5,492 2,014 781 110 2,905 114,230 117,135 Total loans $ 5,885 $ 1,614 $ 3,264 $ 10,763 $ 253,895 $ 264,658
Non-accrual loans, segregated by class of loan	At September 30, At December 31, (In thousands) 2022 2021 Residential mortgage loans: One- to four-family $ 2,565 $ 2,577 2,565 2,577 Commercial loans: Real estate - nonresidential 416 416 Commercial business 163 161 579 577 Consumer loans: Home equity and junior liens 205 66 Manufactured homes 145 — Automobile 32 44 Student 62 — 444 110 Total non-accrual loans $ 3,588 $ 3,264
Schedule of loans modified as troubled debt restructuring	Nine Months Ended September 30, 2021 Post- Pre-Modification Modification Current Outstanding Outstanding Outstanding Number of Recorded Recorded Recorded Contracts Investment Investment Investment One- to four-family residential mortgages 4 $ 336 $ 336 $ — Commercial business 3 46 46 —
Summary of impaired loans information by portfolio class	At September 30, 2022 Unpaid Recorded Principal Related (In thousands) Investment Balance Allowance With no related allowance recorded: One- to four-family residential mortgages $ 2,565 $ 2,525 $ — Commercial real estate - nonresidential 416 516 — Commercial business 162 126 — Home equity and junior liens 205 205 — Total: One- to four-family residential mortgages 2,565 2,525 — Commercial real estate - nonresidential 416 516 — Commercial business 162 126 — Home equity and junior liens 205 205 — $ 3,348 $ 3,372 $ — At December 31, 2021 Unpaid Recorded Principal Related (In thousands) Investment Balance Allowance With no related allowance recorded: One- to four-family residential mortgages $ 2,352 $ 2,423 $ — Commercial real estate - nonresidential 416 516 — Commercial business 73 73 — Home equity and junior liens 67 67 — With an allowance recorded: One- to four-family residential mortgages 224 224 7 Commercial business 55 55 12 Total: One- to four-family residential mortgages 2,576 2,647 7 Commercial real estate - nonresidential 416 516 — Commercial business 128 128 12 Home equity and junior liens 67 67 — $ 3,187 $ 3,358 $ 19 The following table presents the average recorded investment in impaired loans: Three Months Ended September 30, Nine Months Ended September 30, (In thousands) 2022 2021 2022 2021 One- to four-family residential mortgages $ 2,567 $ 2,397 $ 2,579 $ 2,412 Commercial real estate - nonresidential 416 954 416 954 Commercial business 163 469 169 471 Home equity and junior liens 212 81 214 81 $ 3,358 $ 3,901 $ 3,378 $ 3,918 The following table presents interest income recognized on impaired loans: Three Months Ended September 30, Nine Months Ended September 30, (In thousands) 2022 2021 2022 2021 One- to four-family residential mortgages $ 8 $ 13 $ 46 $ 56 Commercial real estate - nonresidential — — — 1 Commercial business — — 1 1 Home equity and junior liens — — 3 2 $ 8 $ 13 $ 50 $ 60

Allowance for Loan Loss (Tables

Allowance for Loan Loss (Tables)	9 Months Ended
Allowance for Loan Loss (Tables)	Sep. 30, 2022
Allowance for Loan Loss
Changes in the allowance for loan losses	Three Months Ended September 30, 2022 One- to four- Construction Commercial Commercial family residential real estate real estate Construction Commercial (In thousands) residential mortgage nonresidential multi-family commercial business Allowance for loan losses: Beginning Balance $ 690 $ — $ 516 $ 2 $ — $ 240 Charge-offs (1) — — — — (2) Recoveries 2 — — — — 1 Provision (credit) for loan losses 37 1 (48) — — (9) Ending balance $ 728 $ 1 $ 468 $ 2 $ — $ 230 Three Months Ended September 30, 2022 (cont'd) Home equity Manufactured Recreational Other (In thousands) and junior liens homes Automobile Student vehicle consumer Unallocated Total Allowance for loan losses: Beginning Balance $ 49 $ 104 $ 126 $ 62 $ 347 $ 52 $ — $ 2,188 Charge-offs (10) — (18) (29) — (1) — (61) Recoveries — — 12 1 — 2 — 18 Provision for loan losses 19 1 7 25 13 135 — 181 Ending balance $ 58 $ 105 $ 127 $ 59 $ 360 $ 188 $ — $ 2,326 Three Months Ended September 30, 2021 One- to four- Construction Commercial Commercial family residential real estate real estate Construction Commercial (In thousands) residential mortgage nonresidential multi-family commercial business Allowance for loan losses: Beginning Balance $ 611 $ — $ 376 $ 2 $ — $ 563 Charge-offs (40) — (2) — — — Recoveries 1 — — — — — Provision (credit) for loan losses 180 — 51 1 — (94) Ending balance $ 752 $ — $ 425 $ 3 $ — $ 469 Three Months Ended September 30, 2021 (cont'd) Home equity Manufactured Recreational Other (In thousands) and junior liens homes Automobile Student vehicle consumer Unallocated Total Allowance for loan losses: Beginning Balance $ 46 $ 82 $ 143 $ 69 $ — $ 84 $ — $ 1,976 Charge-offs — — (1) — — (9) — (52) Recoveries — — 9 1 — 1 — 12 Provision (credit) for loan losses (17) 11 (6) (2) — 11 — 135 Ending balance $ 29 $ 93 $ 145 $ 68 $ — $ 87 $ — $ 2,071 Nine Months Ended September 30, 2022 One- to four- Construction family residential Real estate Construction Commercial (In thousands) residential mortgage nonresidential Multi-family commercial business Allowance for loan losses: Beginning balance $ 688 $ — $ 630 $ 2 $ — $ 161 Charge-offs (37) — — — — (14) Recoveries 18 — — — — 1 Provision (credit) for loan losses 59 1 (162) — — 82 Ending balance $ 728 $ 1 $ 468 $ 2 $ — $ 230 Ending balance: related to loans individually evaluated for impairment $ — $ — $ — $ — $ — $ — Ending balance: related to loans collectively evaluated for impairment $ 728 $ 1 $ 468 $ 2 $ — $ 230 Loans receivable: Ending balance $ 129,233 $ 184 $ 17,163 $ 446 $ — $ 9,820 Ending balance: individually evaluated for impairment $ 2,565 $ — $ 416 $ — $ — $ 162 Ending balance: collectively evaluated for impairment $ 126,668 $ 184 $ 16,747 $ 446 $ — $ 9,658 Nine Months Ended September 30, 2022 (cont'd) Home equity Manufactured Recreational Other (In thousands) and junior liens homes Automobile Student vehicle consumer Unallocated Total Allowance for loan losses: Beginning balance $ 39 $ 102 $ 107 $ 64 $ — $ 48 $ — $ 1,841 Charge-offs (10) — (58) (29) — (1) — (149) Recoveries — — 128 2 — 4 — 153 Provision (credit) for loan losses 29 3 (50) 22 360 137 — 481 Ending balance $ 58 $ 105 $ 127 $ 59 $ 360 $ 188 $ — $ 2,326 Ending balance: related to loans individually evaluated for impairment $ — $ — $ — $ — $ — $ — $ — $ — Ending balance: related to loans collectively evaluated for impairment $ 58 $ 105 $ 127 $ 59 $ 360 $ 188 $ — $ 2,326 Loans receivable: Ending balance $ 11,234 $ 49,887 $ 23,843 $ 1,921 $ 27,013 $ 7,471 $ — $ 278,215 Ending balance: individually evaluated for impairment $ 205 $ — $ — $ — $ — $ — $ — $ 3,348 Ending balance: collectively evaluated for impairment $ 11,029 $ 49,887 $ 23,843 $ 1,921 $ 27,013 $ 7,471 $ — $ 274,867 Nine Months Ended September 30, 2021 One- to four- Construction family residential Real estate Construction Commercial (In thousands) residential mortgage nonresidential Multi-family commercial business Allowance for loan losses: Beginning balance $ 457 $ — $ 319 $ 26 $ — $ 617 Charge-offs (117) — (53) — — (17) Recoveries 3 — 16 12 — 7 Provision (credit) for loan losses 409 — 143 (35) — (138) Ending balance $ 752 $ — $ 425 $ 3 $ — $ 469 Ending balance: related to loans individually evaluated for impairment $ 14 $ — $ — $ — $ — $ 183 Ending balance: related to loans collectively evaluated for impairment $ 738 $ — $ 425 $ 3 $ — $ 286 Loans receivable: Ending balance $ 116,182 $ 193 $ 22,226 $ 403 $ — $ 15,158 Ending balance: individually evaluated for impairment $ 2,325 $ — $ 604 $ — $ — $ 469 Ending balance: collectively evaluated for impairment $ 113,857 $ 193 $ 21,622 $ 403 $ — $ 14,689 Nine Months Ended September 30, 2021 (cont'd) Home equity Manufactured Recreational Other (In thousands) and junior liens homes Automobile Student vehicle consumer Unallocated Total Allowance for loan losses: Beginning balance $ 46 $ 76 $ 127 $ 69 $ — $ 84 $ — $ 1,821 Charge-offs (2) — (7) — — (45) — (241) Recoveries — — 34 2 7 5 — 86 Provision (credit) for loan losses (15) 17 (9) (3) (7) 43 — 405 Ending balance $ 29 $ 93 $ 145 $ 68 $ — $ 87 $ — $ 2,071 Ending balance: related to loans individually evaluated for impairment $ — $ — $ — $ — $ — $ — $ — $ 197 Ending balance: related to loans collectively evaluated for impairment $ 29 $ 93 $ 145 $ 68 $ — $ 87 $ — $ 1,874 Loans receivable: Ending balance $ 10,092 $ 48,234 $ 22,940 $ 2,216 $ 30,185 $ 5,829 $ — $ 273,658 Ending balance: individually evaluated for impairment $ 80 $ — $ — $ — $ — $ — $ — $ 3,478 Ending balance: collectively evaluated for impairment $ 10,012 $ 48,234 $ 22,940 $ 2,216 $ 30,185 $ 5,829 $ — $ 270,180 Year Ended December 31, 2021 One- to four- Construction family residential Real estate Construction Commercial (In thousands) residential mortgage nonresidential Multi-family commercial business Allowance for loan losses: Beginning balance $ 457 $ — $ 319 $ 26 $ — $ 617 Charge-offs (117) — (386) — — (84) Recoveries 28 — 16 12 — 7 Provision (credit) for loan losses 320 — 681 (36) — (379) Ending balance $ 688 $ — $ 630 $ 2 $ — $ 161 Ending balance: related to loans individually evaluated for impairment $ 7 $ — $ — $ — $ — $ 12 Ending balance: related to loans collectively evaluated for impairment $ 681 $ — $ 630 $ 2 $ — $ 149 Loans receivable: Ending balance $ 113,061 $ — $ 21,478 $ 456 $ — $ 12,528 Ending balance: individually evaluated for impairment $ 2,576 $ — $ 416 $ — $ — $ 128 Ending balance: collectively evaluated for impairment $ 110,485 $ — $ 21,062 $ 456 $ — $ 12,400 Year Ended December 31, 2021 (cont'd) Home equity Manufactured Recreational Other (In thousands) and junior liens homes Automobile Student vehicle consumer Unallocated Total Allowance for loan losses: Beginning balance $ 46 $ 76 $ 127 $ 69 $ — $ 84 $ — $ 1,821 Charge-offs (2) — (12) — (1) (45) — (647) Recoveries — — 48 3 8 5 — 127 Provision (credit) for loan losses (5) 26 (56) (8) (7) 4 — 540 Ending balance $ 39 $ 102 $ 107 $ 64 $ — $ 48 $ — $ 1,841 Ending balance: related to loans individually evaluated for impairment $ — $ — $ — $ — $ — $ — $ — $ 19 Ending balance: related to loans collectively evaluated for impairment $ 39 $ 102 $ 107 $ 64 $ — $ 48 $ — $ 1,822 Loans receivable: Ending balance $ 9,701 $ 47,717 $ 22,666 $ 2,096 $ 29,463 $ 5,492 $ — $ 264,658 Ending balance: individually evaluated for impairment $ 67 $ — $ — $ — $ — $ — $ — $ 3,187 Ending balance: collectively evaluated for impairment $ 9,634 $ 47,717 $ 22,666 $ 2,096 $ 29,463 $ 5,492 $ — $ 261,471

Employee Benefit Plans (Tables)

Employee Benefit Plans (Tables)	9 Months Ended
Employee Benefit Plans (Tables)	Sep. 30, 2022
Employee Benefit Plans
Schedule of net periodic expenses recognized in income	Generations Bank Plan: Three Months Ended September 30, Nine Months Ended September 30, (In thousands) 2022 2021 2022 2021 Net periodic expenses recognized in income: Service cost $ 108 $ 115 $ 324 $ 344 Interest cost 102 105 307 315 Expected return on plan assets (383) (370) (1,151) (1,110) Amortization of net losses — 28 — 85 Net periodic pension benefit $ (173) $ (122) $ (520) $ (366) Medina Savings and Loan Plan: Three Months Ended September 30, Nine Months Ended September 30, (In thousands) 2022 2021 2022 2021 Net periodic expenses recognized in income: Service cost $ 9 $ 8 $ 25 $ 23 Interest cost 28 33 83 98 Expected return on plan assets (116) (116) (346) (348) Net periodic pension benefit $ (79) $ (75) $ (238) $ (227)

Stock-Based Compensation (Table

Stock-Based Compensation (Tables)	9 Months Ended
Stock-Based Compensation (Tables)	Sep. 30, 2022
Stock-Based Compensation
Schedule of the Company's stock option activity and related information for its option plans	Three Months Ended September 30, 2022 Weighted Average Exercise Price Per Options Share Outstanding at beginning of quarter 132,977 $ 11.61 Grants — — Exercised — — Outstanding at quarter end 132,977 $ 11.61 Exercisable at quarter end — $ — Nine Months Ended September 30, 2022 Weighted Average Exercise Price Per Options Share Outstanding at beginning of year — $ — Grants 132,977 11.61 Exercised — — Outstanding at quarter end 132,977 $ 11.61 Exercisable at quarter end — $ —

Regulatory Capital (Tables)

Regulatory Capital (Tables)	9 Months Ended
Regulatory Capital (Tables)	Sep. 30, 2022
Regulatory Capital
Summary of actual capital amounts and ratios	Minimum To Be "Well- Minimum Capitalized" For Capital Under Prompt Actual Adequacy Purposes Corrective Provisions (in thousands) Amount Ratio Amount Ratio Amount Ratio As of September 30, 2022 Common Equity Tier 1 Capital $ 41,078 14.25 % $ 12,970 4.50 % $ 18,734 6.50 % Total Capital (to Risk-Weighted Assets) $ 43,404 15.06 % $ 23,058 8.00 % $ 28,822 10.00 % Tier 1 Capital (to Risk-Weighted Assets) $ 41,078 14.25 % $ 17,293 6.00 % $ 23,058 8.00 % Tier 1 Capital (to Total Adjusted Assets) $ 41,078 11.21 % $ 14,652 4.00 % $ 18,315 5.00 % As of December 31, 2021: Common Equity Tier 1 Capital $ 41,287 14.82 % $ 12,534 4.50 % $ 18,104 6.50 % Total Capital (to Risk-Weighted Assets) $ 43,128 15.48 % $ 22,282 8.00 % $ 27,853 10.00 % Tier 1 Capital (to Risk-Weighted Assets) $ 41,287 14.82 % $ 16,712 6.00 % $ 22,282 8.00 % Tier 1 Capital (to Total Adjusted Assets) $ 41,287 10.99 % $ 15,034 4.00 % $ 18,792 5.00 %

Commitments and Contingencies (

Commitments and Contingencies (Tables)	9 Months Ended
Commitments and Contingencies (Tables)	Sep. 30, 2022
Commitments and Contingencies
Financial instruments whose contract amounts represent credit risk	At September 30, At December 31, (In thousands) 2022 2021 Commitments to grant loans $ 8,498 $ 3,524 Unfunded commitments under lines of credit 16,124 15,568

Revenue from Contracts with C_2

Revenue from Contracts with Customers (Tables)	9 Months Ended
Revenue from Contracts with Customers (Tables)	Sep. 30, 2022
Revenue from Contracts with Customers
Schedule of disaggregation of revenue	Three Months Ended September 30, Nine Months Ended September 30, (In thousands) 2022 2021 2022 2021 Service charges on deposit accounts $ 162 $ 149 $ 470 $ 415 Debit card interchange and surcharge income 186 208 568 651 Insurance commissions 77 172 375 547 Loan servicing fees 34 40 141 99 $ 459 $ 569 $ 1,554 $ 1,712

Fair Value Disclosures (Tables)

Fair Value Disclosures (Tables)	9 Months Ended
Fair Value Disclosures (Tables)	Sep. 30, 2022
Fair Value Disclosures
Schedule of carrying amount and estimated fair value of the Company's financial instrument	At September 30, 2022 Carrying Fair (In thousands) Amount Level 1 Level 2 Level 3 Value Financial assets: Cash and cash equivalents $ 7,398 $ 7,398 $ — $ — $ 7,398 Interest-bearing time deposits in banks 650 — 650 — 650 Securities available-for-sale 31,628 — 29,937 1,691 31,628 Securities held-to-maturity 971 — 945 — 945 Equity securities 283 283 — — 283 Loans receivable, net 291,651 — — 284,220 284,220 FHLB stock 1,646 — 1,646 — 1,646 Accrued interest receivable 1,216 1,216 — — 1,216 Financial liabilities: Deposits $ 308,308 $ 96,818 $ — $ 203,730 $ 300,548 Long-term borrowings 10,496 — 14,953 — 14,953 Accrued interest payable 55 55 — — 55 At December 31, 2021 Carrying Fair (In thousands) Amount Level 1 Level 2 Level 3 Value Financial assets: Cash and cash equivalents $ 20,997 $ 20,997 $ — $ — $ 20,997 Interest-bearing time deposits in banks 650 — 650 — 650 Securities available-for-sale 36,975 — 33,965 3,010 36,975 Securities held-to-maturity 1,128 — 1,150 — 1,150 Equity securities 350 350 — — 350 Loans receivable, net 278,120 — — 281,502 281,502 FHLB stock 1,450 — 1,450 — 1,450 Accrued interest receivable 1,249 1,249 — — 1,249 Financial liabilities: Deposits $ 312,049 $ 94,709 $ — $ 219,261 $ 313,970 Long-term borrowings 17,760 — 21,985 — 21,985 Accrued interest payable 35 35 — — 35
Schedule of assets measured at fair value on a recurring basis	At September 30, 2022 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Securities available-for-sale: Debt investment securities: Residential mortgage-backed - US agency and GSEs $ — $ 26 $ — $ 26 Corporate bonds — 17,645 — 17,645 Municipal bonds — 12,266 1,691 13,957 Equity investment securities: Large cap equity mutual fund 35 — — 35 Other mutual funds 248 — — 248 Total investment securities $ 283 $ 29,937 $ 1,691 $ 31,911 At December 31, 2021 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Securities available-for-sale: Debt investment securities: Residential mortgage-backed - US agency and GSEs $ — $ 33 $ — $ 33 Corporate bonds — 18,043 — 18,043 Municipal bonds — 15,889 3,010 18,899 Equity investment securities: Large cap equity mutual fund 45 — — 45 Other mutual funds 305 — — 305 Total investment securities $ 350 $ 33,965 $ 3,010 $ 37,325
Schedule of changes in Level 3 assets measured at estimated fair value on a recurring basis	Investment (In thousands) Securities Balance - December 31, 2021 $ 3,010 Total losses realized/unrealized: Included in other comprehensive loss (207) Purchases 85 Principal payments/maturities (1,197) Balance - September 30, 2022 $ 1,691 Investment (In thousands) Securities Balance - December 31, 2020 $ 3,174 Total gains realized/unrealized: Included in other comprehensive income 170 Purchases 826 Principal payments/maturities (1,141) Balance - September 30, 2021 $ 3,029
Schedule of assets measured at fair value on a nonrecurring basis	At September 30, 2022 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Impaired loans $ — $ — $ — $ — Foreclosed real estate & repossessed assets — — 69 69 At December 31, 2021 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Impaired loans $ — $ — $ 260 $ 260 Foreclosed real estate & repossessed assets — — 27 27
Schedule of quantitative Information about Level 3 Fair Value Measurements	The following table presents additional quantitative information about assets measured at fair value on a recurring basis and for which Level 3 inputs were used to determine fair value: Quantitative Information about Level 3 Fair Value Measurements Valuation Unobservable Range Techniques Input (Weighted Avg.) Investment type- Other Investments Scheduled principal Cost to Sell 0% and interest payments Carrying value 100% The following table presents quantitative information about Level 3 fair value measurements for assets measured at fair value on a nonrecurring basis at September 30, 2022 and December 31, 2021: Quantitative Information about Level 3 Fair Value Measurements Valuation Unobservable Range Techniques Input (Weighted Avg.) Impaired loans - Appraisal of collateral Appraisal Adjustments 5% - 35% (20)% One-to four-family residential Costs to Sell 5% - 15% (10)% Impaired loans - Appraisal of collateral Appraisal Adjustments 5% - 35% (25)% Commercial business Changes in property condition 10% - 20% (15)% Costs to Sell 5% - 15% (10)% Foreclosed real estate and repossessed assets Appraisal of collateral Appraisal Adjustments 5% - 35% (25)% Changes in property condition 10% - 20% (15)% Costs to Sell 5% - 15% (10)%

Segment Information (Tables)

Segment Information (Tables)	9 Months Ended
Segment Information (Tables)	Sep. 30, 2022
Segment Information
Summary of information about segments	Three Months Ended September 30, 2022 2021 Community Municipal Community Municipal Banking Insurance Banking Banking Insurance Banking (In thousands) Activities Activities Activities Total Activities Activities Activities Total Net interest income $ 2,865 $ — $ 66 $ 2,931 $ 3,074 $ — $ 61 $ 3,135 Provision for loan losses 181 — — 181 135 — — 135 Net interest income after provision for loan losses 2,684 — 66 2,750 2,939 — 61 3,000 Total noninterest income 414 76 — 490 500 171 — 671 Compensation and benefits (1,245) — — (1,245) (1,251) (90) — (1,341) Other noninterest expense (1,606) (2) (21) (1,629) (2,048) (44) (32) (2,124) Income before income tax expense 247 74 45 366 140 37 29 206 Income tax expense 58 — 8 66 28 — 5 33 Net income $ 189 $ 74 $ 37 $ 300 $ 112 $ 37 $ 24 $ 173 Nine Months Ended September 30, 2022 2021 Community Municipal Community Municipal Banking Insurance Banking Banking Insurance Banking (In thousands) Activities Activities Activities Total Activities Activities Activities Total Net interest income $ 8,457 $ — $ 191 $ 8,648 $ 8,719 $ — $ 188 $ 8,907 Provision for loan losses 481 — — 481 405 — — 405 Net interest income after provision for loan losses 7,976 — 191 8,167 8,314 — 188 8,502 Total noninterest income 1,304 369 — 1,673 1,448 555 — 2,003 Compensation and benefits (3,538) (105) — (3,643) (3,661) (281) — (3,942) Other noninterest expense (4,852) (35) (61) (4,948) (5,273) (110) (94) (5,477) Income before income tax expense (benefit) 890 229 130 1,249 828 164 94 1,086 Income tax expense (benefit) 186 — 22 208 173 — 18 191 Net income $ 704 $ 229 $ 108 $ 1,041 $ 655 $ 164 $ 76 $ 895
Schedule of reconciliation of the Company's reported segment assets	At September 30, At December 31, (In thousands) 2022 2021 Total assets for reportable segments $ 389,785 $ 395,225 Elimination of intercompany balances (16,173) (16,276) Consolidated total assets $ 373,612 $ 378,949

Nature of Operations (Details)

Nature of Operations (Details) $ in Millions		9 Months Ended
Nature of Operations (Details) $ in Millions	Jan. 13, 2021 USD ($) shares	Sep. 30, 2021 shares	Sep. 30, 2022 facility Office	Jul. 31, 2020
Related Party Transaction [Line Items]
Number of common stocks sold	1,477,575	1,477,575
Exchange ratio of shares	0.9980
Gross offering proceeds from sale of stocks \| $	$ 14.8
Net proceeds from sale \| $	$ 13.2
Number of full-service office \| Office			7
Number of drive-thru facility \| facility			1
Seneca-Cayuga Bancorp, Inc. (the "Holding Company")
Related Party Transaction [Line Items]
Number of common stocks sold		109,450
ESOP shares committed to be released (in shares)	109,450
Seneca Falls Savings Bank, MHC (the "Mutual Holding Company") \| Seneca-Cayuga Bancorp, Inc. (the "Holding Company")
Related Party Transaction [Line Items]
Percentage of holding				60.10%

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Loss - Components (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Changes in the components of accumulated other comprehensive loss, net of tax
Beginning balance	$ 39,028	$ 42,545	$ 43,479	$ 29,886
Net current-period other comprehensive income (loss)	(1,041)	(264)	(5,299)	(60)
Ending balance	37,653	42,466	37,653	42,466
Securities Available-for-Sale
Changes in the components of accumulated other comprehensive loss, net of tax
Beginning balance	(4,043)	882	215	723
Other comprehensive loss before reclassifications	(1,041)	(276)	(5,299)	(119)
Amounts reclassified from AOCI to the income statement		(11)		(9)
Net current-period other comprehensive income (loss)	(1,041)	(287)	(5,299)	(128)
Ending balance	(5,084)	595	(5,084)	595
Defined Benefit Pension Plan
Changes in the components of accumulated other comprehensive loss, net of tax
Beginning balance	(1,181)	(2,093)	(1,181)	(2,138)
Amounts reclassified from AOCI to the income statement		23		68
Net current-period other comprehensive income (loss)		23		68
Ending balance	(1,181)	(2,070)	(1,181)	(2,070)
Accumulated Other Comprehensive Income (Loss)
Changes in the components of accumulated other comprehensive loss, net of tax
Beginning balance	(5,224)	(1,211)	(966)	(1,415)
Other comprehensive loss before reclassifications	(1,041)	(276)	(5,299)	(119)
Amounts reclassified from AOCI to the income statement		12		59
Net current-period other comprehensive income (loss)	(1,041)	(264)	(5,299)	(60)
Ending balance	$ (6,265)	$ (1,475)	$ (6,265)	$ (1,475)

Accumulated Other Comprehensi_4

Accumulated Other Comprehensive Loss - Reclassification (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Retirement plan net losses recognized in net periodic pension cost	$ 1,245	$ 1,341	$ 3,643	$ 3,942
Tax effect	$ 66	33	$ 208	191
Amounts Reclassified From AOCI \| Securities Available-for-Sale
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Realized gain on sale of securities		13		11
Net income		(11)		(9)
Tax effect		2		2
Amounts Reclassified From AOCI \| Defined Benefit Pension Plan
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Retirement plan net losses recognized in net periodic pension cost		28		85
Tax effect		(5)		(17)
Net income		$ 23		$ 68

Earnings Per Common Share - Add

Earnings Per Common Share - Additional information (Details) - shares			3 Months Ended		6 Months Ended	9 Months Ended
	Jul. 25, 2022	Mar. 28, 2022	Sep. 30, 2022	Sep. 30, 2021	Jun. 30, 2022	Sep. 30, 2022	Sep. 30, 2021
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Weighted-average number of common shares outstanding, basic			2,299,000	2,348,000		2,327,000	2,352,000
Stock repurchased (in share)		83,300
Stock repurchased (as a percent)	3.60%	3.40%
Stock option granted to directors				0	132,977	132,977	0
Vesting period for directors						5 years
Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock repurchased (in share)	87,000
Restricted shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Restricted shares granted to directors					53,191	53,191

Earnings Per Common Share - Cal

Earnings Per Common Share - Calculation of basic and diluted earnings per share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Earnings Per Common Share
Net income available to common shareholders	$ 300	$ 173	$ 1,041	$ 895
Weighted-average number of common shares outstanding, basic	2,299	2,348	2,327	2,352
Weighted-average number of common shares outstanding, diluted	2,299	2,348	2,327	2,352
Basic earnings per common share (in dollar per share)	$ 0.13	$ 0.07	$ 0.45	$ 0.38
Diluted earnings per common share	$ 0.13	$ 0.07	$ 0.45	$ 0.38

Securities - Securities availab

Securities - Securities available-for-sale, held-to-maturity, equity (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2022	Dec. 31, 2021
Securities available-for-sale:
Amortized Cost	$ 38,063	$ 36,703
Gross Unrealized Gains	1	1,154
Gross Unrealized Losses	(6,436)	(882)
Fair Value	31,628	36,975
Securities held-to-maturity:
Amortized Cost	971	1,128
Gross Unrealized Gains	1	25
Gross Unrealized Losses	(27)	(3)
Fair Value	945	1,150
Equity securities:
Amortized Cost	283	350
Fair Value	283	350
Residential mortgage-backed - US agency and GSEs
Securities available-for-sale:
Amortized Cost	27	33
Gross Unrealized Gains		1
Gross Unrealized Losses	(1)	(1)
Fair Value	26	33
Securities held-to-maturity:
Amortized Cost	971	1,128
Gross Unrealized Gains	1	25
Gross Unrealized Losses	(27)	(3)
Fair Value	945	1,150
Corporate bonds
Securities available-for-sale:
Amortized Cost	21,085	18,589
Gross Unrealized Gains	1	266
Gross Unrealized Losses	(3,441)	(812)
Fair Value	17,645	18,043
State and political subdivisions
Securities available-for-sale:
Amortized Cost	16,951	18,081
Gross Unrealized Gains		887
Gross Unrealized Losses	(2,994)	(69)
Fair Value	13,957	18,899
Large cap equity mutual fund
Equity securities:
Amortized Cost	35	45
Fair Value	35	45
Other mutual funds
Equity securities:
Amortized Cost	248	305
Fair Value	$ 248	$ 305

Securities - Gross unrealized l

Securities - Gross unrealized losses on investment securities and the fair value (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Fair value of debt securities available-for-sale:
Fair Value of 12 months or less	$ 23,403	$ 14,699
Fair Value of more than 12 months	7,132	23
Total Fair Value	30,535	14,722
Gross unrealized losses of debt securities available-for-sale:
Gross unrealized losses 12 months or less	(3,555)	(881)
Gross unrealized losses more than 12 months	(2,881)	(1)
Total Gross unrealized losses	(6,436)	(882)
Fair value of debt securities held-to-maturity:
Fair Value 12 months or less	652
Fair Value more than 12 months	217	156
Total Fair Value	869	156
Gross unrealized losses of debt securities held-to-maturity:
Gross unrealized losses 12 months or less	(19)
Gross unrealized losses more than 12 months	(8)	(3)
Total Gross unrealized losses	(27)	(3)
Residential mortgage-backed - US agency and GSEs
Fair value of debt securities available-for-sale:
Fair Value of more than 12 months	20	23
Total Fair Value	20	23
Gross unrealized losses of debt securities available-for-sale:
Gross unrealized losses more than 12 months	(1)	(1)
Total Gross unrealized losses	(1)	(1)
Fair value of debt securities held-to-maturity:
Fair Value 12 months or less	652
Fair Value more than 12 months	217	156
Total Fair Value	869	156
Gross unrealized losses of debt securities held-to-maturity:
Gross unrealized losses 12 months or less	(19)
Gross unrealized losses more than 12 months	(8)	(3)
Total Gross unrealized losses	(27)	(3)
Corporate bonds
Fair value of debt securities available-for-sale:
Fair Value of 12 months or less	13,136	9,925
Fair Value of more than 12 months	3,422
Total Fair Value	16,558	9,925
Gross unrealized losses of debt securities available-for-sale:
Gross unrealized losses 12 months or less	(1,441)	(812)
Gross unrealized losses more than 12 months	(2,000)
Total Gross unrealized losses	(3,441)	(812)
State and political subdivisions
Fair value of debt securities available-for-sale:
Fair Value of 12 months or less	10,267	4,774
Fair Value of more than 12 months	3,690
Total Fair Value	13,957	4,774
Gross unrealized losses of debt securities available-for-sale:
Gross unrealized losses 12 months or less	(2,114)	(69)
Gross unrealized losses more than 12 months	(880)
Total Gross unrealized losses	$ (2,994)	$ (69)

Securities - Narrative (Details

Securities - Narrative (Details)	9 Months Ended
Securities - Narrative (Details)	Sep. 30, 2022 USD ($) security
Debt Securities, Available-for-sale [Line Items]
Minimum contractual maturity of mortgage back securities (in years)	20 years
Residential mortgage-backed - US agency and GSEs
Debt Securities, Available-for-sale [Line Items]
Number of securities	18
Each government-backed securities \| Maximum
Debt Securities, Available-for-sale [Line Items]
Unrealized loss \| $	$ 5,600
Corporate bonds
Debt Securities, Available-for-sale [Line Items]
Number of securities	116
Bonds issued by corporate entities
Debt Securities, Available-for-sale [Line Items]
Number of securities	7
Aggregate loss \| $	$ 2,400,000

Securities - Amortized cost and

Securities - Amortized cost and estimated fair values of debt securities (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Securities Available-for-Sale, Amortized Cost, Maturity
Due in one year or less	$ 432
Due over one year through five years	3,156
Due over five through ten years	4,355
Due after ten years	30,093
Total	38,036
Residential mortgage-backed securities	27
Total	38,063	$ 36,703
Securities Available-for-Sale, Estimated Fair Value, Maturity
Due in one year or less	424
Due over one year through five years	2,940
Due over five through ten years	3,437
Due after ten years	24,801
Total	31,602
Residential mortgage-backed securities	26
Fair Value	31,628	36,975
Securities Available-for-Sale, Held-to-Maturity, Maturity
Residential mortgage-backed securities	971
Debt Securities, Held-to-maturity, Total	971	1,128
Securities Held-to-Maturity, Estimated Fair Value, Maturity
Residential mortgage-backed securities	945
Fair Value	$ 945	$ 1,150

Securities - Gross realized gai

Securities - Gross realized gains (losses) on sales and redemptions (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
Securities
Gross realized gains (losses) on sales and redemptions	$ 0	$ 13,000	$ 0	$ 13,000
Realized losses		$ 0		$ 2,000
Investment securities available-for-sale, at fair value	31,628,000		31,628,000		$ 36,975,000
Asset Pledged as Collateral
Securities
Investment securities available-for-sale, at fair value	$ 9,804,734		$ 9,804,734		$ 8,775,255

Loans Receivable - Major classi

Loans Receivable - Major classifications of loans (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Jun. 30, 2022	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Dec. 31, 2020
Loans and Leases Receivable Disclosure [Line Items]
Total loans	$ 278,215		$ 264,658	$ 273,658
Net deferred loan costs	15,997		15,590
Fair value credit and yield adjustment	(235)		(287)
Less: Allowance for loan losses	(2,326)	$ (2,188)	(1,841)	(2,071)	$ (1,976)	$ (1,821)
Loans receivable, net	291,651		278,120
Residential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	129,417		113,061
Residential \| One- to four-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	129,233		113,061	116,182
Less: Allowance for loan losses	(728)	(690)	(688)	(752)	(611)	(457)
Residential \| Construction
Loans and Leases Receivable Disclosure [Line Items]
Total loans	184			193
Less: Allowance for loan losses	(1)
Commercial
Loans and Leases Receivable Disclosure [Line Items]
Total loans	27,429		34,462
Commercial \| Real estate - nonresidential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	17,163		21,478	22,226
Less: Allowance for loan losses	(468)	(516)	(630)	(425)	(376)	(319)
Commercial \| Multi-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	446		456	403
Less: Allowance for loan losses	(2)	(2)	(2)	(3)	(2)	(26)
Commercial \| Commercial business
Loans and Leases Receivable Disclosure [Line Items]
Total loans	9,820		12,528	15,158
Less: Allowance for loan losses	(230)	(240)	(161)	(469)	(563)	(617)
Consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	121,369		117,135
Consumer \| Home equity and junior liens
Loans and Leases Receivable Disclosure [Line Items]
Total loans	11,234		9,701	10,092
Less: Allowance for loan losses	(58)	(49)	(39)	(29)	(46)	(46)
Consumer \| Manufactured homes
Loans and Leases Receivable Disclosure [Line Items]
Total loans	49,887		47,717	48,234
Less: Allowance for loan losses	(105)	(104)	(102)	(93)	(82)	(76)
Consumer \| Automobile
Loans and Leases Receivable Disclosure [Line Items]
Total loans	23,843		22,666	22,940
Less: Allowance for loan losses	(127)	(126)	(107)	(145)	(143)	(127)
Consumer \| Student
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,921		2,096	2,216
Less: Allowance for loan losses	(59)	(62)	(64)	(68)	(69)	(69)
Consumer \| Recreational Vehicle
Loans and Leases Receivable Disclosure [Line Items]
Total loans	27,013		29,463	30,185
Less: Allowance for loan losses	(360)	(347)
Consumer \| Other consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	7,471		5,492	5,829
Less: Allowance for loan losses	(188)	$ (52)	(48)	$ (87)	$ (84)	$ (84)
Originated
Loans and Leases Receivable Disclosure [Line Items]
Total loans	266,812		251,512
Net deferred loan costs	16,052		15,650
Less: Allowance for loan losses	(2,326)		(1,841)
Loans receivable, net	280,538		265,321
Originated \| Residential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	120,379		102,766
Originated \| Residential \| One- to four-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	120,195		102,766
Originated \| Residential \| Construction
Loans and Leases Receivable Disclosure [Line Items]
Total loans	184
Originated \| Commercial
Loans and Leases Receivable Disclosure [Line Items]
Total loans	25,697		32,556
Originated \| Commercial \| Real estate - nonresidential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	15,542		19,734
Originated \| Commercial \| Multi-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	446		456
Originated \| Commercial \| Commercial business
Loans and Leases Receivable Disclosure [Line Items]
Total loans	9,709		12,366
Originated \| Consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	120,736		116,190
Originated \| Consumer \| Home equity and junior liens
Loans and Leases Receivable Disclosure [Line Items]
Total loans	10,653		8,840
Originated \| Consumer \| Manufactured homes
Loans and Leases Receivable Disclosure [Line Items]
Total loans	49,887		47,717
Originated \| Consumer \| Automobile
Loans and Leases Receivable Disclosure [Line Items]
Total loans	23,843		22,666
Originated \| Consumer \| Student
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,921		2,096
Originated \| Consumer \| Recreational Vehicle
Loans and Leases Receivable Disclosure [Line Items]
Total loans	27,013		29,463
Originated \| Consumer \| Other consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	7,419		5,408
Acquired
Loans and Leases Receivable Disclosure [Line Items]
Total loans	11,403		13,146
Net deferred loan costs	(55)		(60)
Fair value credit and yield adjustment	(235)		(287)
Loans receivable, net	11,113		12,799
Acquired \| Residential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	9,038		10,295
Acquired \| Residential \| One- to four-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	9,038		10,295
Acquired \| Commercial
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,732		1,906
Acquired \| Commercial \| Real estate - nonresidential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,621		1,744
Acquired \| Commercial \| Commercial business
Loans and Leases Receivable Disclosure [Line Items]
Total loans	111		162
Acquired \| Consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	633		945
Acquired \| Consumer \| Home equity and junior liens
Loans and Leases Receivable Disclosure [Line Items]
Total loans	581		861
Acquired \| Consumer \| Other consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	$ 52		$ 84

Loans Receivable - Loan portfol

Loans Receivable - Loan portfolio (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2022	Dec. 31, 2021	Sep. 30, 2021
Loans and Leases Receivable Disclosure [Line Items]
Total loans	$ 278,215	$ 264,658	$ 273,658
Loans past due after interest is not received	30 days
Period past due when interest is discontinued	90 days
Contractual performance period of nonaccrual loans to be restored to accrual status	6 months
Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	$ 267,640	253,263
Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	6,988	5,485
Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	3,587	5,910
Residential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	129,417	113,061
Residential \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	125,507	109,332
Residential \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,345	1,152
Residential \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,565	2,577
Residential \| One- to four-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	129,233	113,061	116,182
Residential \| One- to four-family \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	125,323	109,332
Residential \| One- to four-family \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,345	1,152
Residential \| One- to four-family \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,565	2,577
Residential \| Construction
Loans and Leases Receivable Disclosure [Line Items]
Total loans	184		193
Residential \| Construction \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	184
Commercial
Loans and Leases Receivable Disclosure [Line Items]
Total loans	27,429	34,462
Commercial \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	21,750	27,082
Commercial \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	5,101	4,157
Commercial \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	578	3,223
Commercial \| Real estate - nonresidential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	17,163	21,478	22,226
Commercial \| Real estate - nonresidential \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	14,752	16,208
Commercial \| Real estate - nonresidential \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,995	3,045
Commercial \| Real estate - nonresidential \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	416	2,225
Commercial \| Multi-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	446	456	403
Commercial \| Multi-family \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	446	456
Commercial \| Commercial business
Loans and Leases Receivable Disclosure [Line Items]
Total loans	9,820	12,528	15,158
Commercial \| Commercial business \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	6,552	10,418
Commercial \| Commercial business \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	3,106	1,112
Commercial \| Commercial business \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	162	998
Consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	121,369	117,135
Consumer \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	120,383	116,849
Consumer \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	542	176
Consumer \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	444	110
Consumer \| Home equity and junior liens
Loans and Leases Receivable Disclosure [Line Items]
Total loans	11,234	9,701	10,092
Consumer \| Home equity and junior liens \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	11,010	9,594
Consumer \| Home equity and junior liens \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	19	41
Consumer \| Home equity and junior liens \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	205	66
Consumer \| Manufactured homes
Loans and Leases Receivable Disclosure [Line Items]
Total loans	49,887	47,717	48,234
Consumer \| Manufactured homes \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	49,574	47,717
Consumer \| Manufactured homes \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	168
Consumer \| Manufactured homes \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	145
Consumer \| Automobile
Loans and Leases Receivable Disclosure [Line Items]
Total loans	23,843	22,666	22,940
Consumer \| Automobile \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	23,704	22,558
Consumer \| Automobile \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	107	64
Consumer \| Automobile \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	32	44
Consumer \| Student
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,921	2,096	2,216
Consumer \| Student \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,857	2,096
Consumer \| Student \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2
Consumer \| Student \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	62
Consumer \| Recreational Vehicle
Loans and Leases Receivable Disclosure [Line Items]
Total loans	27,013	29,463	30,185
Consumer \| Recreational Vehicle \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	26,844	29,424
Consumer \| Recreational Vehicle \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	169	39
Consumer \| Other consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	7,471	5,492	$ 5,829
Consumer \| Other consumer \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	7,394	5,460
Consumer \| Other consumer \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	77	32
Originated
Loans and Leases Receivable Disclosure [Line Items]
Total loans	266,812	251,512
Originated \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	256,595	240,394
Originated \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	6,906	5,443
Originated \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	3,311	5,675
Originated \| Residential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	120,379	102,766
Originated \| Residential \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	116,792	99,294
Originated \| Residential \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,263	1,110
Originated \| Residential \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,324	2,362
Originated \| Residential \| One- to four-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	120,195	102,766
Originated \| Residential \| One- to four-family \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	116,608	99,294
Originated \| Residential \| One- to four-family \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,263	1,110
Originated \| Residential \| One- to four-family \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,324	2,362
Originated \| Residential \| Construction
Loans and Leases Receivable Disclosure [Line Items]
Total loans	184
Originated \| Residential \| Construction \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	184
Originated \| Commercial
Loans and Leases Receivable Disclosure [Line Items]
Total loans	25,697	32,556
Originated \| Commercial \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	20,018	25,176
Originated \| Commercial \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	5,101	4,157
Originated \| Commercial \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	578	3,223
Originated \| Commercial \| Real estate - nonresidential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	15,542	19,734
Originated \| Commercial \| Real estate - nonresidential \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	13,131	14,464
Originated \| Commercial \| Real estate - nonresidential \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,995	3,045
Originated \| Commercial \| Real estate - nonresidential \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	416	2,225
Originated \| Commercial \| Multi-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	446	456
Originated \| Commercial \| Multi-family \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	446	456
Originated \| Commercial \| Commercial business
Loans and Leases Receivable Disclosure [Line Items]
Total loans	9,709	12,366
Originated \| Commercial \| Commercial business \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	6,441	10,256
Originated \| Commercial \| Commercial business \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	3,106	1,112
Originated \| Commercial \| Commercial business \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	162	998
Originated \| Consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	120,736	116,190
Originated \| Consumer \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	119,785	115,924
Originated \| Consumer \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	542	176
Originated \| Consumer \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	409	90
Originated \| Consumer \| Home equity and junior liens
Loans and Leases Receivable Disclosure [Line Items]
Total loans	10,653	8,840
Originated \| Consumer \| Home equity and junior liens \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	10,464	8,753
Originated \| Consumer \| Home equity and junior liens \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	19	41
Originated \| Consumer \| Home equity and junior liens \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	170	46
Originated \| Consumer \| Manufactured homes
Loans and Leases Receivable Disclosure [Line Items]
Total loans	49,887	47,717
Originated \| Consumer \| Manufactured homes \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	49,574	47,717
Originated \| Consumer \| Manufactured homes \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	168
Originated \| Consumer \| Manufactured homes \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	145
Originated \| Consumer \| Automobile
Loans and Leases Receivable Disclosure [Line Items]
Total loans	23,843	22,666
Originated \| Consumer \| Automobile \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	23,704	22,558
Originated \| Consumer \| Automobile \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	107	64
Originated \| Consumer \| Automobile \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	32	44
Originated \| Consumer \| Student
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,921	2,096
Originated \| Consumer \| Student \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,857	2,096
Originated \| Consumer \| Student \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2
Originated \| Consumer \| Student \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	62
Originated \| Consumer \| Recreational Vehicle
Loans and Leases Receivable Disclosure [Line Items]
Total loans	27,013	29,463
Originated \| Consumer \| Recreational Vehicle \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	26,844	29,424
Originated \| Consumer \| Recreational Vehicle \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	169	39
Originated \| Consumer \| Other consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	7,419	5,408
Originated \| Consumer \| Other consumer \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	7,342	5,376
Originated \| Consumer \| Other consumer \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	77	32
Acquired
Loans and Leases Receivable Disclosure [Line Items]
Total loans	11,403	13,146
Acquired \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	11,045	12,869
Acquired \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	82	42
Acquired \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	276	235
Acquired \| Residential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	9,038	10,295
Acquired \| Residential \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	8,715	10,038
Acquired \| Residential \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	82	42
Acquired \| Residential \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	241	215
Acquired \| Residential \| One- to four-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	9,038	10,295
Acquired \| Residential \| One- to four-family \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	8,715	10,038
Acquired \| Residential \| One- to four-family \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	82	42
Acquired \| Residential \| One- to four-family \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	241	215
Acquired \| Commercial
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,732	1,906
Acquired \| Commercial \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,732	1,906
Acquired \| Commercial \| Real estate - nonresidential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,621	1,744
Acquired \| Commercial \| Real estate - nonresidential \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,621	1,744
Acquired \| Commercial \| Commercial business
Loans and Leases Receivable Disclosure [Line Items]
Total loans	111	162
Acquired \| Commercial \| Commercial business \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	111	162
Acquired \| Consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	633	945
Acquired \| Consumer \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	598	925
Acquired \| Consumer \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	35	20
Acquired \| Consumer \| Home equity and junior liens
Loans and Leases Receivable Disclosure [Line Items]
Total loans	581	861
Acquired \| Consumer \| Home equity and junior liens \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	546	841
Acquired \| Consumer \| Home equity and junior liens \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	35	20
Acquired \| Consumer \| Other consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	52	84
Acquired \| Consumer \| Other consumer \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	$ 52	$ 84

Loans Receivable - Non-accrual

Loans Receivable - Non-accrual and Past Due Loans (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2022	Dec. 31, 2021	Sep. 30, 2021
Financing Receivable, Past Due [Line Items]
Loans past due after interest is not received	30 days
Period past due when interest is discontinued	90 days
Contractual performance period of nonaccrual loans to be restored to accrual status	6 months
Total loans	$ 278,215	$ 264,658	$ 273,658
Non-accrual loans	3,588	3,264
Number of loans past due more than ninety days and still accruing	0	0
Total outstanding TDR	2,500	3,000
Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	10,618	10,763
30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	5,734	5,885
60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	1,296	1,614
90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	3,588	3,264
Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	267,597	253,895
Residential
Financing Receivable, Past Due [Line Items]
Total loans	129,417	113,061
Non-accrual loans	2,565	2,577
Residential \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	6,718	6,857
Residential \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	3,415	3,455
Residential \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	738	825
Residential \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	2,565	2,577
Residential \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	122,699	106,204
Residential \| One- to four-family
Financing Receivable, Past Due [Line Items]
Total loans	129,233	113,061	116,182
Residential \| One- to four-family \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	6,718	6,857
Residential \| One- to four-family \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	3,415	3,455
Residential \| One- to four-family \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	738	825
Residential \| One- to four-family \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	2,565	2,577
Residential \| One- to four-family \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	122,515	106,204
Residential \| 1-4 family first-lien
Financing Receivable, Past Due [Line Items]
Non-accrual loans	2,565	2,577
Residential \| Construction
Financing Receivable, Past Due [Line Items]
Total loans	184		193
Residential \| Construction \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	184
Commercial
Financing Receivable, Past Due [Line Items]
Total loans	27,429	34,462
Non-accrual loans	579	577
Commercial \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	722	1,001
Commercial \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	143	416
Commercial \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans		8
Commercial \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	579	577
Commercial \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	26,707	33,461
Commercial \| Real estate - nonresidential
Financing Receivable, Past Due [Line Items]
Total loans	17,163	21,478	22,226
Non-accrual loans	416	416
Commercial \| Real estate - nonresidential \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	416	805
Commercial \| Real estate - nonresidential \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans		389
Commercial \| Real estate - nonresidential \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	416	416
Commercial \| Real estate - nonresidential \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	16,747	20,673
Commercial \| Multi-family
Financing Receivable, Past Due [Line Items]
Total loans	446	456	403
Commercial \| Multi-family \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	446	456
Commercial \| Commercial business
Financing Receivable, Past Due [Line Items]
Total loans	9,820	12,528	15,158
Non-accrual loans	163	161
Commercial \| Commercial business \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	306	196
Commercial \| Commercial business \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	143	27
Commercial \| Commercial business \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans		8
Commercial \| Commercial business \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	163	161
Commercial \| Commercial business \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	9,514	12,332
Consumer
Financing Receivable, Past Due [Line Items]
Total loans	121,369	117,135
Non-accrual loans	444	110
Consumer \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	3,178	2,905
Consumer \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	2,176	2,014
Consumer \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	558	781
Consumer \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	444	110
Consumer \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	118,191	114,230
Consumer \| Home equity and junior liens
Financing Receivable, Past Due [Line Items]
Total loans	11,234	9,701	10,092
Non-accrual loans	205	66
Consumer \| Home equity and junior liens \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	340	246
Consumer \| Home equity and junior liens \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	100	149
Consumer \| Home equity and junior liens \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	35	31
Consumer \| Home equity and junior liens \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	205	66
Consumer \| Home equity and junior liens \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	10,894	9,455
Consumer \| Manufactured homes
Financing Receivable, Past Due [Line Items]
Total loans	49,887	47,717	48,234
Non-accrual loans	145
Consumer \| Manufactured homes \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	1,096	1,537
Consumer \| Manufactured homes \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	783	922
Consumer \| Manufactured homes \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	168	615
Consumer \| Manufactured homes \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	145
Consumer \| Manufactured homes \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	48,791	46,180
Consumer \| Automobile
Financing Receivable, Past Due [Line Items]
Total loans	23,843	22,666	22,940
Non-accrual loans	32	44
Consumer \| Automobile \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	406	276
Consumer \| Automobile \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	267	168
Consumer \| Automobile \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	107	64
Consumer \| Automobile \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	32	44
Consumer \| Automobile \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	23,437	22,390
Consumer \| Student
Financing Receivable, Past Due [Line Items]
Total loans	1,921	2,096	2,216
Non-accrual loans	62
Consumer \| Student \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	71	95
Consumer \| Student \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	7	95
Consumer \| Student \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	2
Consumer \| Student \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	62
Consumer \| Student \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	1,850	2,001
Consumer \| Recreational Vehicle
Financing Receivable, Past Due [Line Items]
Total loans	27,013	29,463	30,185
Consumer \| Recreational Vehicle \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	1,085	644
Consumer \| Recreational Vehicle \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	916	605
Consumer \| Recreational Vehicle \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	169	39
Consumer \| Recreational Vehicle \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	25,928	28,819
Consumer \| Other consumer
Financing Receivable, Past Due [Line Items]
Total loans	7,471	5,492	$ 5,829
Consumer \| Other consumer \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	180	107
Consumer \| Other consumer \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	103	75
Consumer \| Other consumer \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	77	32
Consumer \| Other consumer \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	7,291	5,385
Originated
Financing Receivable, Past Due [Line Items]
Total loans	266,812	251,512
Originated \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	10,104	10,115
Originated \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	5,542	5,540
Originated \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	1,250	1,546
Originated \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	3,312	3,029
Originated \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	256,708	241,397
Originated \| Residential
Financing Receivable, Past Due [Line Items]
Total loans	120,379	102,766
Originated \| Residential \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	6,254	6,256
Originated \| Residential \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	3,238	3,137
Originated \| Residential \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	692	757
Originated \| Residential \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	2,324	2,362
Originated \| Residential \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	114,125	96,510
Originated \| Residential \| One- to four-family
Financing Receivable, Past Due [Line Items]
Total loans	120,195	102,766
Originated \| Residential \| One- to four-family \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	6,254	6,256
Originated \| Residential \| One- to four-family \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	3,238	3,137
Originated \| Residential \| One- to four-family \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	692	757
Originated \| Residential \| One- to four-family \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	2,324	2,362
Originated \| Residential \| One- to four-family \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	113,941	96,510
Originated \| Residential \| Construction
Financing Receivable, Past Due [Line Items]
Total loans	184
Originated \| Residential \| Construction \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	184
Originated \| Commercial
Financing Receivable, Past Due [Line Items]
Total loans	25,697	32,556
Originated \| Commercial \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	722	974
Originated \| Commercial \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	143	389
Originated \| Commercial \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans		8
Originated \| Commercial \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	579	577
Originated \| Commercial \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	24,975	31,582
Originated \| Commercial \| Real estate - nonresidential
Financing Receivable, Past Due [Line Items]
Total loans	15,542	19,734
Originated \| Commercial \| Real estate - nonresidential \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	416	805
Originated \| Commercial \| Real estate - nonresidential \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans		389
Originated \| Commercial \| Real estate - nonresidential \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	416	416
Originated \| Commercial \| Real estate - nonresidential \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	15,126	18,929
Originated \| Commercial \| Multi-family
Financing Receivable, Past Due [Line Items]
Total loans	446	456
Originated \| Commercial \| Multi-family \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	446	456
Originated \| Commercial \| Commercial business
Financing Receivable, Past Due [Line Items]
Total loans	9,709	12,366
Originated \| Commercial \| Commercial business \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	306	169
Originated \| Commercial \| Commercial business \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	143
Originated \| Commercial \| Commercial business \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans		8
Originated \| Commercial \| Commercial business \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	163	161
Originated \| Commercial \| Commercial business \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	9,403	12,197
Originated \| Consumer
Financing Receivable, Past Due [Line Items]
Total loans	120,736	116,190
Originated \| Consumer \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	3,128	2,885
Originated \| Consumer \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	2,161	2,014
Originated \| Consumer \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	558	781
Originated \| Consumer \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	409	90
Originated \| Consumer \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	117,608	113,305
Originated \| Consumer \| Home equity and junior liens
Financing Receivable, Past Due [Line Items]
Total loans	10,653	8,840
Originated \| Consumer \| Home equity and junior liens \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	290	226
Originated \| Consumer \| Home equity and junior liens \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	85	149
Originated \| Consumer \| Home equity and junior liens \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	35	31
Originated \| Consumer \| Home equity and junior liens \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	170	46
Originated \| Consumer \| Home equity and junior liens \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	10,363	8,614
Originated \| Consumer \| Manufactured homes
Financing Receivable, Past Due [Line Items]
Total loans	49,887	47,717
Originated \| Consumer \| Manufactured homes \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	1,096	1,537
Originated \| Consumer \| Manufactured homes \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	783	922
Originated \| Consumer \| Manufactured homes \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	168	615
Originated \| Consumer \| Manufactured homes \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	145
Originated \| Consumer \| Manufactured homes \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	48,791	46,180
Originated \| Consumer \| Automobile
Financing Receivable, Past Due [Line Items]
Total loans	23,843	22,666
Originated \| Consumer \| Automobile \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	406	276
Originated \| Consumer \| Automobile \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	267	168
Originated \| Consumer \| Automobile \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	107	64
Originated \| Consumer \| Automobile \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	32	44
Originated \| Consumer \| Automobile \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	23,437	22,390
Originated \| Consumer \| Student
Financing Receivable, Past Due [Line Items]
Total loans	1,921	2,096
Originated \| Consumer \| Student \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	71	95
Originated \| Consumer \| Student \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	7	95
Originated \| Consumer \| Student \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	2
Originated \| Consumer \| Student \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	62
Originated \| Consumer \| Student \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	1,850	2,001
Originated \| Consumer \| Recreational Vehicle
Financing Receivable, Past Due [Line Items]
Total loans	27,013	29,463
Originated \| Consumer \| Recreational Vehicle \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	1,085	644
Originated \| Consumer \| Recreational Vehicle \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	916	605
Originated \| Consumer \| Recreational Vehicle \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	169	39
Originated \| Consumer \| Recreational Vehicle \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	25,928	28,819
Originated \| Consumer \| Other consumer
Financing Receivable, Past Due [Line Items]
Total loans	7,419	5,408
Originated \| Consumer \| Other consumer \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	180	107
Originated \| Consumer \| Other consumer \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	103	75
Originated \| Consumer \| Other consumer \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	77	32
Originated \| Consumer \| Other consumer \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	7,239	5,301
Acquired
Financing Receivable, Past Due [Line Items]
Total loans	11,403	13,146
Acquired \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	514	648
Acquired \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	192	345
Acquired \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	46	68
Acquired \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	276	235
Acquired \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	10,889	12,498
Acquired \| Residential
Financing Receivable, Past Due [Line Items]
Total loans	9,038	10,295
Acquired \| Residential \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	464	601
Acquired \| Residential \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	177	318
Acquired \| Residential \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	46	68
Acquired \| Residential \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	241	215
Acquired \| Residential \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	8,574	9,694
Acquired \| Residential \| One- to four-family
Financing Receivable, Past Due [Line Items]
Total loans	9,038	10,295
Acquired \| Residential \| One- to four-family \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	464	601
Acquired \| Residential \| One- to four-family \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	177	318
Acquired \| Residential \| One- to four-family \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	46	68
Acquired \| Residential \| One- to four-family \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	241	215
Acquired \| Residential \| One- to four-family \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	8,574	9,694
Acquired \| Commercial
Financing Receivable, Past Due [Line Items]
Total loans	1,732	1,906
Acquired \| Commercial \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans		27
Acquired \| Commercial \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans		27
Acquired \| Commercial \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	1,732	1,879
Acquired \| Commercial \| Real estate - nonresidential
Financing Receivable, Past Due [Line Items]
Total loans	1,621	1,744
Acquired \| Commercial \| Real estate - nonresidential \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	1,621	1,744
Acquired \| Commercial \| Commercial business
Financing Receivable, Past Due [Line Items]
Total loans	111	162
Acquired \| Commercial \| Commercial business \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans		27
Acquired \| Commercial \| Commercial business \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans		27
Acquired \| Commercial \| Commercial business \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	111	135
Acquired \| Consumer
Financing Receivable, Past Due [Line Items]
Total loans	633	945
Acquired \| Consumer \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	50	20
Acquired \| Consumer \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	15
Acquired \| Consumer \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	35	20
Acquired \| Consumer \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	583	925
Acquired \| Consumer \| Home equity and junior liens
Financing Receivable, Past Due [Line Items]
Total loans	581	861
Acquired \| Consumer \| Home equity and junior liens \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	50	20
Acquired \| Consumer \| Home equity and junior liens \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	15
Acquired \| Consumer \| Home equity and junior liens \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	35	20
Acquired \| Consumer \| Home equity and junior liens \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	531	841
Acquired \| Consumer \| Other consumer
Financing Receivable, Past Due [Line Items]
Total loans	52	84
Acquired \| Consumer \| Other consumer \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	$ 52	$ 84

Loans Receivable - Troubled Deb

Loans Receivable - Troubled Debt Restructuring (Details)	3 Months Ended	9 Months Ended
Loans Receivable - Troubled Debt Restructuring (Details)	Sep. 30, 2022 USD ($) loan	Sep. 30, 2022 USD ($) loan	Sep. 30, 2021 USD ($) loan	Dec. 31, 2021 USD ($) loan
Loans and Leases Receivable Disclosure [Line Items]
Number of contracts modified as TDR \| loan	0	0	7
Current outstanding recorded investment \| $	$ 2,500,000	$ 2,500,000		$ 3,000,000
TDR loans \| loan	7	7		15
Number of Contracts, subsequent default \| loan		0	0
TDR loans past due to be considered in default		90 days
Number of contracts in non-accrual status \| loan		1
Amount of contracts in non-accrual status \| $	$ 8,000	$ 8,000
Residential \| One- to four-family
Loans and Leases Receivable Disclosure [Line Items]
Number of contracts modified as TDR \| loan			4
Pre-Modification outstanding recorded investment \| $			$ 336,000
Post-Modification outstanding recorded investment \| $			$ 336,000
Commercial \| Commercial business
Loans and Leases Receivable Disclosure [Line Items]
Number of contracts modified as TDR \| loan			3
Pre-Modification outstanding recorded investment \| $			$ 46,000
Post-Modification outstanding recorded investment \| $			$ 46,000

Loans Receivable - Impaired Loa

Loans Receivable - Impaired Loans (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
Recorded Investment
Total:	$ 3,348		$ 3,348		$ 3,187
Unpaid Principal Balance
Total:	3,372		3,372		3,358
Related Allowance					19
Average Recorded Investment
Total:	3,358	$ 3,901	3,378	$ 3,918
Interest recognized on cash basis	8	13	50	60
Residential \| One- to four-family
Recorded Investment
With no related allowance recorded:	2,565		2,565		2,352
With an allowance recorded:					224
Total:	2,565		2,565		2,576
Unpaid Principal Balance
With no related allowance recorded:	2,525		2,525		2,423
With an allowance recorded:					224
Total:	2,525		2,525		2,647
Related Allowance					7
Average Recorded Investment
Total:	2,567	2,397	2,579	2,412
Interest recognized on cash basis	8	13	46	56
Commercial \| Real estate - nonresidential
Recorded Investment
With no related allowance recorded:	416		416		416
Total:	416		416		416
Unpaid Principal Balance
With no related allowance recorded:	516		516		516
Total:	516		516		516
Average Recorded Investment
Total:	416	954	416	954
Interest recognized on cash basis				1
Commercial \| Commercial business
Recorded Investment
With no related allowance recorded:	162		162		73
With an allowance recorded:					55
Total:	162		162		128
Unpaid Principal Balance
With no related allowance recorded:	126		126		73
With an allowance recorded:					55
Total:	126		126		128
Related Allowance					12
Average Recorded Investment
Total:	163	469	169	471
Interest recognized on cash basis			1	1
Consumer \| Home equity and junior liens
Recorded Investment
With no related allowance recorded:	205		205		67
Total:	205		205		67
Unpaid Principal Balance
With no related allowance recorded:	205		205		67
Total:	205		205		$ 67
Average Recorded Investment
Total:	$ 212	$ 81	214	81
Interest recognized on cash basis			$ 3	$ 2

Allowance for Loan Loss (Detail

Allowance for Loan Loss (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
Allowance for Loan Loss (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
Allowance for loan losses:
Beginning Balance	$ 2,188	$ 1,976	$ 1,841	$ 1,821	$ 1,821
Charge-offs	(61)	(52)	(149)	(241)	(647)
Recoveries	18	12	153	86	127
Provision (credit) for loan losses	181	135	481	405	540
Ending balance	2,326	2,071	2,326	2,071	1,841
Ending balance: related to loans individually evaluated for impairment		197		197	19
Ending balance: related to loans collectively evaluated for impairment	2,326	1,874	2,326	1,874	1,822
Loans receivable - Ending balance	278,215	273,658	278,215	273,658	264,658
Loans receivable - Ending balance: individually evaluated for impairment	3,348	3,478	3,348	3,478	3,187
Loans receivable - Ending balance: collectively evaluated for impairment	274,867	270,180	$ 274,867	270,180	261,471
Consumer loans past due when loans are charge off			90 days
Residential
Allowance for loan losses:
Loans receivable - Ending balance	129,417		$ 129,417		113,061
Residential \| One- to four-family
Allowance for loan losses:
Beginning Balance	690	611	688	457	457
Charge-offs	(1)	(40)	(37)	(117)	(117)
Recoveries	2	1	18	3	28
Provision (credit) for loan losses	37	180	59	409	320
Ending balance	728	752	728	752	688
Ending balance: related to loans individually evaluated for impairment		14		14	7
Ending balance: related to loans collectively evaluated for impairment	728	738	728	738	681
Loans receivable - Ending balance	129,233	116,182	129,233	116,182	113,061
Loans receivable - Ending balance: individually evaluated for impairment	2,565	2,325	2,565	2,325	2,576
Loans receivable - Ending balance: collectively evaluated for impairment	126,668	113,857	126,668	113,857	110,485
Residential \| Construction
Allowance for loan losses:
Provision (credit) for loan losses	1		1
Ending balance	1		1
Ending balance: related to loans collectively evaluated for impairment	1		1
Loans receivable - Ending balance	184	193	184	193
Loans receivable - Ending balance: collectively evaluated for impairment	184	193	184	193
Commercial
Allowance for loan losses:
Loans receivable - Ending balance	27,429		27,429		34,462
Commercial \| Real estate - nonresidential
Allowance for loan losses:
Beginning Balance	516	376	630	319	319
Charge-offs		(2)		(53)	(386)
Recoveries				16	16
Provision (credit) for loan losses	(48)	51	(162)	143	681
Ending balance	468	425	468	425	630
Ending balance: related to loans collectively evaluated for impairment	468	425	468	425	630
Loans receivable - Ending balance	17,163	22,226	17,163	22,226	21,478
Loans receivable - Ending balance: individually evaluated for impairment	416	604	416	604	416
Loans receivable - Ending balance: collectively evaluated for impairment	16,747	21,622	16,747	21,622	21,062
Commercial \| Multi-family
Allowance for loan losses:
Beginning Balance	2	2	2	26	26
Recoveries				12	12
Provision (credit) for loan losses		1		(35)	(36)
Ending balance	2	3	2	3	2
Ending balance: related to loans collectively evaluated for impairment	2	3	2	3	2
Loans receivable - Ending balance	446	403	446	403	456
Loans receivable - Ending balance: collectively evaluated for impairment	446	403	446	403	456
Commercial \| Commercial business
Allowance for loan losses:
Beginning Balance	240	563	161	617	617
Charge-offs	(2)		(14)	(17)	(84)
Recoveries	1		1	7	7
Provision (credit) for loan losses	(9)	(94)	82	(138)	(379)
Ending balance	230	469	230	469	161
Ending balance: related to loans individually evaluated for impairment		183		183	12
Ending balance: related to loans collectively evaluated for impairment	230	286	230	286	149
Loans receivable - Ending balance	9,820	15,158	9,820	15,158	12,528
Loans receivable - Ending balance: individually evaluated for impairment	162	469	162	469	128
Loans receivable - Ending balance: collectively evaluated for impairment	9,658	14,689	9,658	14,689	12,400
Consumer
Allowance for loan losses:
Loans receivable - Ending balance	121,369		121,369		117,135
Consumer \| Home equity and junior liens
Allowance for loan losses:
Beginning Balance	49	46	39	46	46
Charge-offs	(10)		(10)	(2)	(2)
Provision (credit) for loan losses	19	(17)	29	(15)	(5)
Ending balance	58	29	58	29	39
Ending balance: related to loans collectively evaluated for impairment	58	29	58	29	39
Loans receivable - Ending balance	11,234	10,092	11,234	10,092	9,701
Loans receivable - Ending balance: individually evaluated for impairment	205	80	205	80	67
Loans receivable - Ending balance: collectively evaluated for impairment	11,029	10,012	11,029	10,012	9,634
Consumer \| Manufactured homes
Allowance for loan losses:
Beginning Balance	104	82	102	76	76
Provision (credit) for loan losses	1	11	3	17	26
Ending balance	105	93	105	93	102
Ending balance: related to loans collectively evaluated for impairment	105	93	105	93	102
Loans receivable - Ending balance	49,887	48,234	49,887	48,234	47,717
Loans receivable - Ending balance: collectively evaluated for impairment	49,887	48,234	49,887	48,234	47,717
Consumer \| Automobile
Allowance for loan losses:
Beginning Balance	126	143	107	127	127
Charge-offs	(18)	(1)	(58)	(7)	(12)
Recoveries	12	9	128	34	48
Provision (credit) for loan losses	7	(6)	(50)	(9)	(56)
Ending balance	127	145	127	145	107
Ending balance: related to loans collectively evaluated for impairment	127	145	127	145	107
Loans receivable - Ending balance	23,843	22,940	23,843	22,940	22,666
Loans receivable - Ending balance: collectively evaluated for impairment	23,843	22,940	23,843	22,940	22,666
Consumer \| Student
Allowance for loan losses:
Beginning Balance	62	69	64	69	69
Charge-offs	(29)		(29)
Recoveries	1	1	2	2	3
Provision (credit) for loan losses	25	(2)	22	(3)	(8)
Ending balance	59	68	59	68	64
Ending balance: related to loans collectively evaluated for impairment	59	68	59	68	64
Loans receivable - Ending balance	1,921	2,216	1,921	2,216	2,096
Loans receivable - Ending balance: collectively evaluated for impairment	1,921	2,216	1,921	2,216	2,096
Consumer \| Recreational Vehicle
Allowance for loan losses:
Beginning Balance	347
Charge-offs					(1)
Recoveries				7	8
Provision (credit) for loan losses	13		360	(7)	(7)
Ending balance	360		360
Ending balance: related to loans collectively evaluated for impairment	360		360
Loans receivable - Ending balance	27,013	30,185	27,013	30,185	29,463
Loans receivable - Ending balance: collectively evaluated for impairment	27,013	30,185	27,013	30,185	29,463
Consumer \| Other consumer
Allowance for loan losses:
Beginning Balance	52	84	48	84	84
Charge-offs	(1)	(9)	(1)	(45)	(45)
Recoveries	2	1	4	5	5
Provision (credit) for loan losses	135	11	137	43	4
Ending balance	188	87	188	87	48
Ending balance: related to loans collectively evaluated for impairment	188	87	188	87	48
Loans receivable - Ending balance	7,471	5,829	7,471	5,829	5,492
Loans receivable - Ending balance: collectively evaluated for impairment	$ 7,471	$ 5,829	$ 7,471	$ 5,829	$ 5,492

Employee Benefit Plans - Define

Employee Benefit Plans - Defined Benefit Plan - Components of net periodic pension benefit (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022 USD ($)	Sep. 30, 2021 USD ($)	Sep. 30, 2022 USD ($) plan	Sep. 30, 2021 USD ($)
Net periodic expenses recognized in income:
Number of benefit pension plans \| plan			2
Generations Bank Plan
Net periodic expenses recognized in income:
Service cost	$ 108	$ 115	$ 324	$ 344
Interest cost	102	105	307	315
Expected return on plan assets	(383)	(370)	(1,151)	(1,110)
Amortization of net losses		28		85
Net periodic pension benefit	(173)	(122)	(520)	(366)
Medina Savings and Loan Plan
Net periodic expenses recognized in income:
Service cost	9	8	25	23
Interest cost	28	33	83	98
Expected return on plan assets	(116)	(116)	(346)	(348)
Net periodic pension benefit	$ (79)	$ (75)	$ (238)	$ (227)

Stock-Based Compensation - Stoc

Stock-Based Compensation - Stock option activity (Details) - $ / shares	3 Months Ended	6 Months Ended	9 Months Ended
	Sep. 30, 2021	Jun. 30, 2022	Sep. 30, 2022	Sep. 30, 2021
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding [Roll Forward]
Grants	0	132,977	132,977	0
Outstanding at quarter end		132,977	132,977
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price [Abstract]
Grants			$ 11.61
Outstanding at quarter end		$ 11.61	$ 11.61

Stock-Based Compensation - Addi

Stock-Based Compensation - Additional information (Details) - USD ($)	3 Months Ended	6 Months Ended	9 Months Ended
	Sep. 30, 2022	Jun. 30, 2022	Sep. 30, 2022
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period			5 years
Share-Based Payment Arrangement, Grantee Status [Extensible Enumeration]			us-gaap:ShareBasedPaymentArrangementNonemployeeMember
Stock based compensation expense	$ 21,000		$ 32,000
Restricted shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Restricted shares granted to directors		53,191	53,191
Stock based compensation expense	$ 31,000		$ 43,000

Regulatory Capital (Details)

Regulatory Capital (Details) $ in Thousands	Sep. 30, 2022 USD ($)	Dec. 31, 2021 USD ($)	Sep. 10, 2020
Actual amount
Common Equity Tier 1 Capital,	$ 41,078	$ 41,287
Total Capital (to Risk-Weighted Assets)	43,404	43,128
Tier 1 Capital* (to Risk-Weighted Assets)	41,078	41,287
Core Capital (to Total Adjusted Assets)	$ 41,078	$ 41,287
Actual Ratio
Common Equity Tier 1 Capital	0.1425	0.1482
Total Capital (to Risk-Weighted Assets)	0.1506	0.1548
Tier 1 Capital* (to Risk-Weighted Assets)	0.1425	0.1482
Core Capital (to Total Adjusted Assets)	0.1121	0.1099
Excess capital to risk weighted assets	0.1000	0.1000
Minimum For Capital Adequacy Purposes, Amount
Common Equity Tier 1 Capital,	$ 12,970	$ 12,534
Total Capital (to Risk-Weighted Assets)	23,058	22,282
Tier 1 Capital* (to Risk-Weighted Assets)	17,293	16,712
Core Capital (to Total Adjusted Assets)	$ 14,652	$ 15,034
Minimum For Capital Adequacy Purposes, Ratio
Common Equity Tier 1 Capital,	0.0450	0.0450
Total Capital (to Risk-Weighted Assets)	0.0800	0.0800
Tier 1 Capital* (to Risk-Weighted Assets)	0.0600	0.0600
Core Capital (to Total Adjusted Assets)	0.0400	0.0400
Minimum To Be Well- Capitalized Under Prompt Corrective Provisions Amount
Common Equity Tier 1 Capital,	$ 18,734	$ 18,104
Total Capital (to Risk-Weighted Assets)	28,822	27,853
Tier 1 Capital* (to Risk-Weighted Assets)	23,058	22,282
Core Capital (to Total Adjusted Assets)	$ 18,315	$ 18,792
Minimum To Be Well- Capitalized Under Prompt Corrective Provisions Ratio
Common Equity Tier 1 Capital,	0.0650	0.0650
Total Capital (to Risk-Weighted Assets)	0.1000	0.1000
Tier 1 Capital* (to Risk-Weighted Assets)	0.0800	0.0800
Core Capital (to Total Adjusted Assets)	0.0500	0.0500
Required leverage ratio			0.0800
Required total capital ratio			0.1200

Commitments and Contingencies -

Commitments and Contingencies - Credit Commitments (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2022	Dec. 31, 2021
Commitments and Contingencies
Loan commitments with fixed interest rate	$ 11,700	$ 3,800
Loan commitments with variable interest rate	12,900	15,300
Commitments to grant loans
Commitments and Contingencies
Credit risk for financial instruments	8,498	3,524
Unfunded commitments under lines of credit
Commitments and Contingencies
Credit risk for financial instruments	$ 16,124	$ 15,568

Commitments and Contingencies_2

Commitments and Contingencies - Commitments to Originate (Details) - USD ($)	Sep. 30, 2022	Dec. 31, 2021
Commitments and Contingencies
Outstanding principal balance	$ 291,651,000	$ 278,120,000
MPF Program
Commitments and Contingencies
Outstanding principal balance	8,900,000
Recourse back to bank for loans sold	707,000
First loss account allocated to bank	91,000
MPF Program, Inclusive of USDA Loans
Commitments and Contingencies
Outstanding principal balance	$ 68,600,000

Commitments and Contingencies_3

Commitments and Contingencies - Lease Commitments (Details) - USD ($)	9 Months Ended		12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
Commitments and Contingencies
Operating lease expense	$ 0	$ 19,000	$ 19,000
Future minimum lease commitments
Future minimum lease commitments	$ 0

Revenue from Contracts with C_3

Revenue from Contracts with Customers (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Revenue from Contracts with Customers
Revenues	$ 459	$ 569	$ 1,554	$ 1,712
Service charges on deposit accounts
Revenue from Contracts with Customers
Revenues	162	149	470	415
Debit card interchange and surcharge income
Revenue from Contracts with Customers
Revenues	186	208	568	651
Insurance commission and fees
Revenue from Contracts with Customers
Revenues	77	172	375	547
Loan servicing fees
Revenue from Contracts with Customers
Revenues	$ 34	$ 40	$ 141	$ 99

Fair Value Disclosures - Carryi

Fair Value Disclosures - Carrying amount and estimated fair value (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Financial assets:
Investment securities available-for-sale, at fair value	$ 31,628	$ 36,975
Securities held-to-maturity	945	1,150
Carrying Value
Financial assets:
Cash and cash equivalents	7,398	20,997
Interest-bearing time deposits in banks	650	650
Investment securities available-for-sale, at fair value	31,628	36,975
Securities held-to-maturity	971	1,128
Equity securities	283	350
Loans receivable, net	291,651	278,120
FHLB stock	1,646	1,450
Accrued interest receivable	1,216	1,249
Financial liabilities:
Deposits	308,308	312,049
Long-term borrowings	10,496	17,760
Accrued interest payable	55	35
Fair Value
Financial assets:
Cash and cash equivalents	7,398	20,997
Interest-bearing time deposits in banks	650	650
Investment securities available-for-sale, at fair value	31,628	36,975
Securities held-to-maturity	945	1,150
Equity securities	283	350
Loans receivable, net	284,220	281,502
FHLB stock	1,646	1,450
Accrued interest receivable	1,216	1,249
Financial liabilities:
Deposits	300,548	313,970
Long-term borrowings	14,953	21,985
Accrued interest payable	55	35
Level 1 \| Fair Value
Financial assets:
Cash and cash equivalents	7,398	20,997
Equity securities	283	350
Accrued interest receivable	1,216	1,249
Financial liabilities:
Deposits	96,818	94,709
Accrued interest payable	55	35
Level 2 \| Fair Value
Financial assets:
Interest-bearing time deposits in banks	650	650
Investment securities available-for-sale, at fair value	29,937	33,965
Securities held-to-maturity	945	1,150
FHLB stock	1,646	1,450
Financial liabilities:
Long-term borrowings	14,953	21,985
Level 3 \| Fair Value
Financial assets:
Investment securities available-for-sale, at fair value	1,691	3,010
Loans receivable, net	284,220	281,502
Financial liabilities:
Deposits	$ 203,730	$ 219,261

Fair Value Disclosures - Fair v

Fair Value Disclosures - Fair value on a recurring basis (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Securities available-for-sale:
Debt investment securities	$ 31,628	$ 36,975
Residential mortgage-backed - US agency and GSEs
Securities available-for-sale:
Debt investment securities	26	33
Corporate bonds
Securities available-for-sale:
Debt investment securities	17,645	18,043
Recurring
Equity securities:
Investments, Fair Value Disclosure, Total	31,911	37,325
Recurring \| Residential mortgage-backed - US agency and GSEs
Securities available-for-sale:
Debt investment securities	26	33
Recurring \| Corporate bonds
Securities available-for-sale:
Debt investment securities	17,645	18,043
Recurring \| Municipal bonds
Securities available-for-sale:
Debt investment securities	13,957	18,899
Recurring \| Large cap equity mutual fund
Equity securities:
Equity investment securities, at fair value	35	45
Recurring \| Other mutual funds
Equity securities:
Equity investment securities, at fair value	248	305
Level 1 \| Recurring
Equity securities:
Investments, Fair Value Disclosure, Total	283	350
Level 1 \| Recurring \| Large cap equity mutual fund
Equity securities:
Equity investment securities, at fair value	35	45
Level 1 \| Recurring \| Other mutual funds
Equity securities:
Equity investment securities, at fair value	248	305
Level 2 \| Recurring
Equity securities:
Investments, Fair Value Disclosure, Total	29,937	33,965
Level 2 \| Recurring \| Residential mortgage-backed - US agency and GSEs
Securities available-for-sale:
Debt investment securities	26	33
Level 2 \| Recurring \| Corporate bonds
Securities available-for-sale:
Debt investment securities	17,645	18,043
Level 2 \| Recurring \| Municipal bonds
Securities available-for-sale:
Debt investment securities	12,266	15,889
Level 3 \| Recurring
Equity securities:
Investments, Fair Value Disclosure, Total	1,691	3,010
Level 3 \| Recurring \| Municipal bonds
Securities available-for-sale:
Debt investment securities	$ 1,691	$ 3,010

Fair Value Disclosures - Change

Fair Value Disclosures - Changes in Level 3 assets measured at estimated fair value on a recurring basis (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Changes in Level 3 assets measured at estimated fair value on a recurring basis
Beginning balance	$ 3,010	$ 3,174
Included in other comprehensive income	(207)	170
Purchases	85	826
Principal payments	(1,197)	(1,141)
Ending balance	$ 1,691	$ 3,029

Fair Value Disclosures - Summar

Fair Value Disclosures - Summarize assets measured at fair value on a nonrecurring basis (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Summarize assets measured at fair value on a nonrecurring basis
Impaired loans	$ 3,348	$ 3,187
Non - recurring
Summarize assets measured at fair value on a nonrecurring basis
Impaired loans		260
Foreclosed real estate & repossessed assets	69	27
Non - recurring \| Level 3
Summarize assets measured at fair value on a nonrecurring basis
Impaired loans		260
Foreclosed real estate & repossessed assets	$ 69	$ 27

Fair Value Disclosures - Transf

Fair Value Disclosures - Transfers of assets in or out of any fair value measurement level (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2022	Dec. 31, 2021
Fair Value Disclosures
Transfers of assets, Level 1 to level 2	$ 0	$ 0
Transfers of assets, Level 2 to level 1	0	0
Transfers of assets in or out of level 3	$ 0	$ 0

Fair Value Disclosures - Quanti

Fair Value Disclosures - Quantitative information about Level 3 fair value measurements for assets - Recurring basis (Details) - Recurring - Weighted Average - Costs to Sell	Sep. 30, 2022	Dec. 31, 2021
Principal and interest payments
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Other investments	0	0
Carrying value.
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Other investments	1	1

Fair Value Disclosures - Quan_2

Fair Value Disclosures - Quantitative information about Level 3 fair value measurements for assets - Non recurring basis (Details) - Non - recurring - Appraisal of collateral	Sep. 30, 2022	Dec. 31, 2021
Maximum \| Appraisal Adjustments
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Foreclosed real estate & repossessed assets	0.35	0.35
Maximum \| Costs to Sell
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Foreclosed real estate & repossessed assets	0.15	0.15
Maximum \| Changes in property condition
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Foreclosed real estate & repossessed assets	0.20	0.20
Maximum \| Residential \| 1-4 family residential \| Appraisal Adjustments
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	0.35	0.35
Maximum \| Residential \| 1-4 family residential \| Costs to Sell
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	0.15	0.15
Maximum \| Commercial and industrial \| Other loans \| Appraisal Adjustments
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	0.35	0.35
Maximum \| Commercial and industrial \| Other loans \| Costs to Sell
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	0.15	0.15
Maximum \| Commercial and industrial \| Other loans \| Changes in property condition
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	0.20	0.20
Minimum \| Appraisal Adjustments
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Foreclosed real estate & repossessed assets	0.05	0.05
Minimum \| Costs to Sell
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Foreclosed real estate & repossessed assets	0.05	0.05
Minimum \| Changes in property condition
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Foreclosed real estate & repossessed assets	0.10	0.10
Minimum \| Residential \| 1-4 family residential \| Appraisal Adjustments
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	0.05	0.05
Minimum \| Residential \| 1-4 family residential \| Costs to Sell
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	0.05	0.05
Minimum \| Commercial and industrial \| Other loans \| Appraisal Adjustments
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	0.05	0.05
Minimum \| Commercial and industrial \| Other loans \| Costs to Sell
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	0.05	0.05
Minimum \| Commercial and industrial \| Other loans \| Changes in property condition
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	0.10	0.10
Weighted Average \| Appraisal Adjustments
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Foreclosed real estate & repossessed assets	(0.25)	(0.25)
Weighted Average \| Costs to Sell
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Foreclosed real estate & repossessed assets	(0.10)	(0.10)
Weighted Average \| Changes in property condition
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Foreclosed real estate & repossessed assets	(0.15)	(0.15)
Weighted Average \| Residential \| 1-4 family residential \| Appraisal Adjustments
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	(0.20)	(0.20)
Weighted Average \| Residential \| 1-4 family residential \| Costs to Sell
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	(0.10)	(0.10)
Weighted Average \| Commercial and industrial \| Other loans \| Appraisal Adjustments
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	(0.25)	(0.25)
Weighted Average \| Commercial and industrial \| Other loans \| Costs to Sell
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	(0.10)	(0.10)
Weighted Average \| Commercial and industrial \| Other loans \| Changes in property condition
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	(0.15)	(0.15)

Segment Information (Details)

Segment Information (Details) $ in Thousands	3 Months Ended		9 Months Ended
Segment Information (Details) $ in Thousands	Sep. 30, 2022 USD ($)	Sep. 30, 2021 USD ($)	Sep. 30, 2022 USD ($) segment	Sep. 30, 2021 USD ($) segment	Dec. 31, 2021 USD ($)
Segment Reporting Information [Line Items]
Number of Reportable Segments \| segment			3	3
Net interest income	$ 2,931	$ 3,135	$ 8,648	$ 8,907
Provision for loan losses	181	135	481	405
Net interest income after provision for loan losses	2,750	3,000	8,167	8,502
Total noninterest income	490	671	1,673	2,003
Compensation and benefits	1,245	1,341	3,643	3,942
Other noninterest expense	(294)	(389)	(870)	(970)
Income before income tax expense	366	206	1,249	1,086
Income tax expense	66	33	208	191
Net income	300	173	1,041	895
Consolidated total assets	373,612		373,612		$ 378,949
Operating segment
Segment Reporting Information [Line Items]
Net interest income	2,931	3,135	8,648	8,907
Provision for loan losses	181	135	481	405
Net interest income after provision for loan losses	2,750	3,000	8,167	8,502
Total noninterest income	490	671	1,673	2,003
Compensation and benefits	(1,245)	(1,341)	(3,643)	(3,942)
Other noninterest expense	(1,629)	(2,124)	(4,948)	(5,477)
Income before income tax expense	366	206	1,249	1,086
Income tax expense	66	33	208	191
Net income	300	173	1,041	895
Consolidated total assets	389,785		389,785		395,225
Operating segment \| Community Banking Activities
Segment Reporting Information [Line Items]
Net interest income	2,865	3,074	8,457	8,719
Provision for loan losses	181	135	481	405
Net interest income after provision for loan losses	2,684	2,939	7,976	8,314
Total noninterest income	414	500	1,304	1,448
Compensation and benefits	(1,245)	(1,251)	(3,538)	(3,661)
Other noninterest expense	(1,606)	(2,048)	(4,852)	(5,273)
Income before income tax expense	247	140	890	828
Income tax expense	58	28	186	173
Net income	189	112	704	655
Operating segment \| Insurance Activities
Segment Reporting Information [Line Items]
Total noninterest income	76	171	369	555
Compensation and benefits		(90)	(105)	(281)
Other noninterest expense	(2)	(44)	(35)	(110)
Income before income tax expense	74	37	229	164
Net income	74	37	229	164
Operating segment \| Municipal Banking Activities
Segment Reporting Information [Line Items]
Net interest income	66	61	191	188
Net interest income after provision for loan losses	66	61	191	188
Other noninterest expense	(21)	(32)	(61)	(94)
Income before income tax expense	45	29	130	94
Income tax expense	8	5	22	18
Net income	37	$ 24	108	$ 76
Elimination of intercompany balances
Segment Reporting Information [Line Items]
Consolidated total assets	$ (16,173)		$ (16,173)		$ (16,276)